Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Hopatcong can be costly, especially as your home ages and your appliances and systems need to be updated. A home warranty is a way to protect your bank account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
The home warranty market is saturated with a variety of providers — all with different plans — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Hopatcong.
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 for Hopatcong residents. The 3 policies that Liberty offers include options for appliance and system coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Hopatcong 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.
Read our Liberty Home Guard full review 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
Choice Home Warranty offers the best overall home warranty for Hopatcong residents. The 2 policies that Choice offers include options for appliance and system coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Hopatcong 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.
Read our Choice Home Warranty full review 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
Select Home Warranty offers the most cost-effective home warranty for Hopatcong residents. The 3 policies that Select offers include options for appliance and system coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also 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 Hopatcong 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.
Read our Select Home Warranty full review 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
American Home Shield offers the most customizable home warranty for Hopatcong residents. The 3 policies that AHS offers include options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Hopatcong 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.
Read our American Home Shield full review 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Hopatcong residents. The 3 policies that Cinch offers include options for appliance and system coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Hopatcong 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.
Read our Cinch Home Services full review 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
The Home Service Club offers the best home warranty with the quickest service for Hopatcong residents. The 2 policies that HSC offers include options for appliance and system coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. 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 Service Club offers 2 plans for Hopatcong 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.
Read our The Home Service Club full review 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 | $6,569 |
| Heating | $4,379 |
| Electrical | $657 |
| Toilets | $547 |
| Washer/Dryer | $876 |
| Plumbing | $657 |
| Oven | $1,752 |
| Fridge | $657 |
A home warranty is a protection policy that helps Hopatcong homeowners lower the high costs of household repairs. These plans provide financial coverage to fix or replace 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 arranges 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 delivers peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with outdated systems. More modern homes with modern fixtures probably don’t need a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are washers, microwaves, garbage disposals, dryers, refrigerators, dishwashers, and more. Included systems are usually air conditioning, electrical, heating, and plumbing. Many home warranty companies offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Hopatcong homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are several home warranty terms to learn before signing an agreement, including:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans cover electrical, AC, plumbing, heating, and appliances. More inclusive options also include protection for other items such as roof leaks, well pumps, spas, and pools. Look for a provider that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific 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 on every claim. Some providers also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation gives insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Favorable reviews and ratings indicate a provider known for stellar service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential companies to ask how many repair technicians they have in Hopatcong and get an idea of how fast your repairs could be handled in an emergency. Wider networks raise the likelihood of getting qualified contractors to promptly service your home.
Home warranty companies may include bonuses such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras add value beyond repair coverage. Added perks maximize the usefulness of the home warranty.
Temperatures in Hopatcong can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Hopatcong, 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.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another good thing about having a home warranty is if you want to sell your home, some providers let you transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and help your home sell faster.
As for the downsides of home warranties, system and appliance coverage varies by provider, so it’s important to understand what each policy covers and excludes in the contract.
Another thing to take into consideration is that some providers don’t cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty policy costs, on average, around $300 to $600 a year in Hopatcong. 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. In addition, it's typically less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty protects against normal wear and tear to home systems and appliances. Homeowners insurance protects a home in a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Hopatcong.
A home warranty policy can help home sellers, real estate agents, homeowners, homebuyers, and investors. It can provide peace of mind and savings to anyone involved in homeownership.
The different home warranties in Hopatcong 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 washing machine, drier, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Typically, the homeowner pays for the home warranty. In some cases, though, the home seller may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Hopatcong is $378,697, a home warranty can be an added asset when buying a home.
