Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
With hot summers and cool winters, working home systems and appliances, specifically HVAC, are extremely important for homeowners in Colts Neck. A home warranty can offer you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best protection for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Colts Neck. Read on 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
Liberty Home Guard offers the most trustworthy home warranty in Colts Neck. When you buy a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Colts Neck area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our review of Liberty Home Guard.
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 Colts Neck. When you buy a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Colts Neck area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our review of Choice Home Warranty.
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 Colts Neck. When you buy a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Colts Neck area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our review of Select Home Warranty.
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 Colts Neck. When you buy a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Colts Neck area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our review of American Home Shield.
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 Colts Neck. When you buy a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Colts Neck area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
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 Colts Neck. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Colts Neck area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our review of The Home Service Club.
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 | $6,942 |
| Heating | $4,628 |
| Electrical | $694 |
| Toilets | $578 |
| Washer/Dryer | $926 |
| Plumbing | $694 |
| Oven | $1,851 |
| Fridge | $694 |
A home warranty is a protection policy that assists Colts Neck homeowners in reducing the expenses of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that stop working due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then finds 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 peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties help protect both your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, dryers, washers, dishwashers, refrigerators, microwaves, and others. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranties also offer add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Most home warranty plans require Colts Neck homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
There are several key factors to consider when choosing a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically provide protection for plumbing, electrical, AC, heating, and appliances, while more comprehensive options may also cover spas, roof leaks, pools, and well pumps. Look for companies with varied coverage options, including upgraded plans. This allows you to tailor protection to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with more affordable fees to maximize savings. Some companies also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential providers to ask how many repair professionals they have in Colts Neck and get an idea of how fast your repairs could be handled in an emergency. More extensive networks increase the chance of getting qualified contractors to promptly service your home.
Some home warranty companies include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can offer extra value beyond repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Temperatures in Colts Neck can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Colts Neck, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
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 technician to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may come across. Additionally, having a home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been receiving.
As for the drawbacks of home warranties, system and appliance coverage varies by company, so it’s important to understand what each plan covers and excludes in the contract.
Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They most likely won’t cover systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Colts Neck. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover problems related to 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 plan that protects your entire home from natural disasters, which can sometimes be a concern in Colts Neck. It doesn't cover a typical appliance or system repairs.
A home warranty can help homebuyers, investors, real estate agents, home sellers, and homeowners. It can provide peace of mind to anyone involved in homeownership.
The different types of home warranties in Colts Neck include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the contract.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Colts Neck is $668,056, a home warranty can save you some money when buying a home.
