Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
As much as you may enjoy homeownership in Closter, there's always that concern about whether your appliances and systems are going to make it through the next few years. A home warranty is a way to protect your savings from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the best home warranty on the market can be difficult, as there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the top home warranty companies in Closter 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 Closter, Liberty Home Guard offers the most trustworthy home warranty. Liberty has more than 6 years of industry experience and in that time has built a a skilled network of service technicians in the country. Liberty has 3 simple plans, making the selection process easy. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Closter homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting 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 Closter, Choice Home Warranty offers the best overall home warranty. Choice has more than 15 years of industry experience and in that time has built a a skilled network of service technicians in the country. Choice has 2 simple plans, making the selection process easy. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Closter homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting 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 Closter, Select Home Warranty offers the most cost-effective home warranty. Select has more than 11 years of industry experience and in that time has built a a skilled network of service technicians in the country. Select has 3 simple plans, making the selection process easy. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Closter 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. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000 at the maximum.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting 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 Closter, American Home Shield offers the most customizable home warranty. AHS has more than 26 years of industry experience and in that time has built a a skilled network of service technicians in the country. AHS has 3 simple plans, making the selection process easy. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Closter homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500 at the maximum.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting 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 Closter, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has more than 44 years of industry experience and in that time has built a a skilled network of service technicians in the country. Cinch has 3 simple plans, making the selection process easy. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Closter 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting 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 Closter, The Home Service Club offers the best home warranty with the quickest service. HSC has more than 15 years of industry experience and in that time has built a a skilled network of service technicians in the country. HSC has 2 simple plans, making the selection process 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, HSC is the perfect 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 Home Service Club offers 2 plans for Closter homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000 at the maximum.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting 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 | $7,822 |
| Heating | $5,215 |
| Electrical | $782 |
| Toilets | $652 |
| Washer/Dryer | $1,043 |
| Plumbing | $782 |
| Oven | $2,086 |
| Fridge | $782 |
A home warranty is a protection plan that helps lower expenses for Closter homeowners needing appliance and system repairs. These plans provide coverage to repair 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 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 exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners because 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 require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include microwaves, garbage disposals, refrigerators, dishwashers, washers, dryers, and more. Included systems are typically electrical, heating, air conditioning, and plumbing. Many home warranty companies provide add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Closter 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 help pay for repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several important factors to consider when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for electrical, AC, heating, plumbing, and appliances. More robust coverage options also cover other items such as spas, pools, roof leaks, and well pumps. Look for companies with varied coverage options, including upgraded plans. This helps you customize your plan to your 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 providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation gives insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Favorable ratings and reviews indicate a provider known for stellar service.
Home warranty companies have networks of local professionals to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Closter and get an idea for how fast your repairs could take place in an emergency situation. More extensive networks improve the chances of getting qualified contractors to quickly service your home.
Some home warranty companies may include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Since temperatures in Closter can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Not only can a home warranty offer some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most. Additionally, though home warranty companies vary, some providers will allow you to transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a repair technician who does the repair for you, some may not like this, and they would prefer to select a contractor themselves. If that’s the case for you, some home warranty companies let you select a contractor.
Another drawback is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty plan costs, on average, about $300 to $600 a year in Closter. Our high-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 usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which can sometimes be a concern in Closter. It doesn't cover a normal appliance or system breakage.
A home warranty policy can help homebuyers, home sellers, real estate agents, investors, and homeowners. It can provide peace of mind to anyone involved with homeownership.
A home warranty plan will 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 helpful if you're concerned about one more than the other.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some companies may offer month-to-month plans.
Generally, the homeowner is the one who pays 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. In Closter, where the median value of a home is $929,315, having the seller pay for the home warranty can be a good asset for your new home.
