Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home in Little Ferry has many great benefits, but there are some negatives. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty is a way to protect your savings from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Choosing the best home warranty on the market can be challenging because of the many options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the top home warranty companies in Little Ferry.
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 Little Ferry residents. 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 3 plans from Liberty are easy to understand and offer both system and appliance coverage.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Liberty’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit 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 for Little Ferry residents. 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 2 plans from Choice are easy to understand and offer both system and appliance coverage.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit 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 for Little Ferry residents. 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 3 plans from Select are easy to understand and offer both system and appliance coverage.
Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit 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 for Little Ferry residents. 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 3 plans from AHS are easy to understand and offer both system and appliance coverage.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit 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 for Little Ferry residents. 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 3 plans from Cinch are easy to understand and offer both system and appliance coverage.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit 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 for Little Ferry residents. 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 2 plans from HSC are easy to understand and offer both system and appliance coverage.
The Home Service Club has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit 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 | $6,650 |
| Heating | $4,433 |
| Electrical | $665 |
| Toilets | $554 |
| Washer/Dryer | $887 |
| Plumbing | $665 |
| Oven | $1,773 |
| Fridge | $665 |
A home warranty is a protection plan that helps Little Ferry homeowners in lowering the costs of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as dishwashers, dryers, microwaves, refrigerators, washers, garbage disposals, and others. Covered systems include heating, plumbing, air conditioning, and electrical. Many home warranty providers also offer additional coverage for septic systems, locksmiths, central vacuums, and roof leaks. It's important for Little Ferry homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranties use several terms that you'll want to know before signing a contract, such as:
When selecting a home warranty provider, there are several key factors to consider:
Home warranties differ greatly in the items covered. Basic plans typically include AC, plumbing, heating, electrical, and appliances, while more comprehensive plans may also cover roof leaks, spas, pools, and well pumps. Focus on companies with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your home's needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per repair request filed. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and reviews indicate that a company is known for quality service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential providers to learn the number of repair technicians they have in Little Ferry and get an idea of how fast your repairs could be handled in an emergency. Larger networks improve the chance of getting qualified contractors to swiftly service your home.
Home warranty companies sometimes include perks such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These add value beyond basic repair coverage. Added perks help maximize the usefulness of your home warranty.
Temperatures in Little Ferry can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Little Ferry, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most. Plus, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been getting.
One downside of purchasing a home warranty is that there are usually exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read through the contracts you’re considering carefully to understand what is included and what isn’t.
Another thing to consider is that some providers don’t cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about this if you need more information or if this is a problem for you.
A home warranty in Little Ferry can cost between $30 and $60 a month. The higher-priced plans typically have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
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 plan that protects the entire home from natural disasters, which can sometimes be a concern in Little Ferry. It doesn't cover a normal appliance or system breakage.
Homebuyers, landlords, home sellers, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty policy will cover your home’s 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 useful if you want to save some money.
Generally, a home warranty lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
In general, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Little Ferry, where the median home value is $498,892, having the seller pay for the home warranty can be a good asset for your new home.
