Expert Advice On Improving Your Home

6 Best Home Warranty Companies in Lopatcong, NJ

Written By David Cusick

Last Updated February 2024

Being a homeowner in Lopatcong is an excellent option for those who love nature and quiet neighborhoods. However, as great as Lopatcong is, homeownership always comes with its fair share of difficulties, such as trying to deal with your home repairs yourself. A home warranty is a way to protect your budget 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.

Finding the best home warranty on the market can be quite a challenge because of the many options out there. If you're tired of trying to compare them all, keep reading for our guide to the top home warranty companies in Lopatcong.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

The 6 Best Home Warranty Companies in Lopatcong

Liberty Home Guard

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 Lopatcong, Liberty Home Guard offers the most trustworthy home warranty. 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 offers 3 plans for you to choose from.

There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.

Read more by visiting our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

Appliance Guard

Systems Guard

Total Home Guard

Service fee: $75.00 Monthly cost: $69.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $74.99
Items covered: Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $79.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer , Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser

Choice Home Warranty

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 Lopatcong, Choice Home Warranty offers the best overall home warranty. 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 offers 2 plans for you to choose from.

There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000 at the maximum.

Read more by visiting our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

Basic Plan

Total Plan

Service fee: $85.00 Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00 Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

Select Home Warranty

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 Lopatcong, Select Home Warranty offers the most cost-effective home warranty. 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 offers 3 plans for you to choose from.

There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000 at the maximum.

Read more by visiting our review of Select Home Warranty. To receive 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

Service fee: $60.00 Monthly cost: $57.67
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $57.67
Items covered: Air Conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $62.08
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer , Air conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater , Ceiling fan , Garage door , Plumbing stoppages Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks

American Home Shield

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 Lopatcong, American Home Shield offers the most customizable home warranty. 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. AHS offers 3 plans for you to choose from.

There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500 at the maximum.

Read more by visiting our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

Cinch Home Services

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 Lopatcong, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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 offers 3 plans for you to choose from.

There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 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.

Read more by visiting our review of Cinch Home Services. To receive 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

Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump

The Home Service Club

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 Lopatcong, The Home Service Club offers the best home warranty with the quickest service. 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. HSC offers 2 plans for you to choose from.

There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000 at the maximum.

Read more by visiting our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00 Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Today's Homeowner Ranking Methodology

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:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Lopatcong

Home Appliance Repair Cost
Air Conditioner $6,167
Heating $4,111
Electrical $617
Toilets $514
Washer/Dryer $822
Plumbing $617
Oven $1,645
Fridge $617

How Does a Home Warranty Work?

A home warranty is a protection plan that helps reduce the high costs for Lopatcong homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that stop working due to normal wear and tear.

Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds 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 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 useful for those who live in older homes or ones with aging systems. Newer builds with working fixtures probably don’t need a home warranty.

What Does a Home Warranty Cover?

Home warranties cover your home systems and appliances. Common appliances covered include washers, dryers, garbage disposals, microwaves, dishwashers, refrigerators, and more. Covered systems are normally electrical, plumbing, air conditioning, and heating. Many home warranty companies offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Most home warranty plans require Lopatcong homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.

Key Home Warranty Terms to Know

There are a number of home warranty terms to learn before signing an agreement, including:

  • Deductible: How much you pay for a covered repair before your warranty covers the rest. Deductibles can be per-claim or yearly.
  • Claim approval: The process providers use to determine whether a requested repair or replacement is covered under a home warranty plan.
  • Endorsements: Optional add-on coverage for systems such as septic, well pumps, pools and more. Endorsements typically come with an additional fee.
  • Service fee: The out-of-pocket cost you pay per claim for access to a contractor and repair coverage.
  • Coverage limits: The maximum dollar amount that your warranty provider will pay for certain repairs or replacements. Check your contract's limits on repairs for things like air conditioning units, appliances, and roof leaks.
  • Contract rate: The pre-negotiated rate a home warranty company has with its contractors. This rate is usually less than typical retail costs.
  • Trade call fee: An additional fee that some companies charge for appliance-related claims.
Keeping these terms and key points in mind will help you understand pricing and pick a home warranty designed to protect your most important home systems. Make sure to discuss coverage details with potential companies when getting a quote, so you can avoid surprise fees.

Key Factors in Choosing a Home Warranty Company

There are several important considerations when choosing a home warranty provider:

Coverage Options

Home warranty policies can have major differences in covered items. Most plans cover heating, AC, plumbing, electrical, and appliances. More inclusive options also extend protection to other items such as roof leaks, well pumps, spas, and pools. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.

Service Fees

Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with lower service fees to maximize savings on every claim. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.

Reputation

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. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a provider is known for quality service.

Contractor Network

Home warranty companies have networks of professionals that they use to tackle covered repairs. More extensive networks improve the likelihood of getting skilled contractors to your home swiftly. Contact possible providers to ask how many technicians they have in Lopatcong. This helps you understand how long repairs may take in an urgent situation.

Added Benefits

Certain home warranty companies include perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These can offer extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.

Is a Home Warranty Worth it in Lopatcong?


Benefits of a Home Warranty

Since temperatures in Lopatcong can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks down unexpectedly.

In addition to saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle 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 come across. A home warranty can also give value in other ways. For example, some plans can be transferred to another owner when you sell your home.

Downsides of a Home Warranty

Home warranties also have some downsides. Although it can save you time when the home warranty sends out a repair person who carries out the repair for you, some homeowners may not like this, and they may want to choose a contractor themselves. If that’s important to you, some home warranty plans let you choose a contractor.

Another potential pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being rejected, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

Frequently Asked Questions About Home Warranty in Lopatcong, NJ

A home warranty in Lopatcong can cost anywhere from $30 to $60 a month. The higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some providers will also lower your up-front costs when you agree to a higher service fee.

Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover issues with 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 might not be too much of a concern in Lopatcong. It doesn't cover a normal appliance or system breakage.

A home warranty policy can help homebuyers, investors, homeowners, home sellers, and real estate agents. It can provide peace of mind to anyone involved with homeownership.

The different home warranties in Lopatcong include plans that cover either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, such as your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the plan.

Generally, a home warranty plan lasts for a year and can be renewed annually. Some companies may offer month-to-month options.

In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Lopatcong, where the median value of a home is $309,580, having the seller pay for the home warranty can save you some money on your new home.

Other Lopatcong, NJ Home Services