Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Hoboken comes with quite a few perks, but it also comes with its difficulties. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty in Hoboken 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 overwhelming, as there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in Hoboken 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 Hoboken, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in business for over 6 years, making it a well-respected company in the industry. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000.
To receive 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 Hoboken, Choice Home Warranty offers the best overall home warranty. Choice has been in business for over 15 years, making it a well-respected company in the industry. 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 home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
To receive 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 Hoboken, Select Home Warranty offers the most cost-effective home warranty. Select has been in business for over 11 years, making it a well-respected company in the industry. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000.
To receive 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 Hoboken, American Home Shield offers the most customizable home warranty. AHS has been in business for over 26 years, making it a well-respected company in the industry. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
To receive 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 Hoboken, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in business for over 44 years, making it a well-respected company in the industry. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000.
To receive 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 Hoboken, The Home Service Club offers the best home warranty with the quickest service. HSC has been in business for over 15 years, making it a well-respected company in the industry. 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 home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000.
To receive 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 | $8,168 |
| Heating | $5,445 |
| Electrical | $817 |
| Toilets | $681 |
| Washer/Dryer | $1,089 |
| Plumbing | $817 |
| Oven | $2,178 |
| Fridge | $817 |
A home warranty is a protection policy that helps Hoboken homeowners in lowering the costs of appliance and system repairs. The plans provide coverage to replace or repair appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. 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 a sense of security since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of 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 require a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as dryers, washers, microwaves, garbage disposals, refrigerators, dishwashers, and others. Covered systems include plumbing, air conditioning, heating, and electrical. Many home warranty providers also offer add-on coverage for roof leaks, locksmiths, septic systems, and central vacuums. Hoboken 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 due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for electrical, heating, plumbing, AC, and appliances. More robust coverage options also cover other items such as roof leaks, well pumps, pools, and spas. Look for a company that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with lower service fees to maximize savings on every claim. Some companies also remove deductibles if a customer goes a period of time without filing any claims.
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. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. Wider networks increase the likelihood of getting skilled contractors to your home swiftly. Reach out to possible providers to ask how many technicians they have in Hoboken to understand how long repairs could take in an urgent situation.
Certain home warranty providers offer perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These offer extra value beyond repair coverage. Extra perks can enhance your home and help maximize your home warranty.
Temperatures in Hoboken 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 Hoboken, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
On top of saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the headache of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may have. A home warranty can also yield value in other ways. For example, some plans can be transferred to another owner during a home sale.
As for the negatives of home warranties, coverage varies by provider, so it’s important to understand what each policy covers and doesn’t include in the contract.
Another potential pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your repair requests being rejected, 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, about $300 to $600 a year in Hoboken. 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 opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties 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 larger insurance that protects an entire home from natural disasters, which can be a concern in Hoboken. It doesn't cover a normal appliance or system damage.
First-time homebuyers, landlords, homeowners, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Hoboken include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the plan.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Usually the one who owns the home pays for the home warranty. In some cases, though, the home seller may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Hoboken is $782,317, a home warranty can be an added asset when buying a home.
