Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many, but maintaining it can be expensive over time, especially if your home in Pequannock is on the older side. 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 significantly lower and allow you to live in your home with more peace of mind.
The home warranty market has many providers — all with different price points — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Pequannock.
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 Pequannock, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been operating for over 6 years, making it a highly regarded company in the industry. The 3 policies that Liberty offers include options for appliance and system coverage. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $75.
For more information on this provider, read our thorough review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can 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
In Pequannock, Choice Home Warranty offers the best overall home warranty. Choice has been operating for over 15 years, making it a highly regarded company in the industry. The 2 policies that Choice offers include options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $85.
For more information on this provider, read our thorough review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can 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
In Pequannock, Select Home Warranty offers the most cost-effective home warranty. Select has been operating for over 11 years, making it a highly regarded company in the industry. The 3 policies that Select offers include options for appliance and system coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
For more information on this provider, read our thorough review of Select Home Warranty. To get a free quote from Select Home Warranty, you can 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
In Pequannock, American Home Shield offers the most customizable home warranty. AHS has been operating for over 26 years, making it a highly regarded company in the industry. The 3 policies that AHS offers include options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
For more information on this provider, read our thorough review of American Home Shield. To get a free quote from American Home Shield, you can 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
In Pequannock, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been operating for over 44 years, making it a highly regarded company in the industry. The 3 policies that Cinch offers include options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
For more information on this provider, read our thorough review of Cinch Home Services. To get a free quote from Cinch Home Services, you can 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
In Pequannock, The Home Service Club offers the best home warranty with the quickest service. HSC has been operating for over 15 years, making it a highly regarded company in the industry. The 2 policies that HSC offers include options for appliance and system coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the plan for you. Plus, it 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 has 2 plans that provide a combination of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
For more information on this provider, read our thorough review of The Home Service Club. To get a free quote from The Home Service Club, you can 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 | $7,235 |
| Heating | $4,823 |
| Electrical | $724 |
| Toilets | $603 |
| Washer/Dryer | $965 |
| Plumbing | $724 |
| Oven | $1,929 |
| Fridge | $724 |
A home warranty is a protection policy that helps Pequannock homeowners cut the high costs of household repairs. These plans offer financial coverage to fix or swap out appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges 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 provides security for homeowners by helping them avoid expensive emergency repairs. They're particularly valuable for those who own older homes or ones with outdated systems. More modern builds with functional appliances probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include microwaves, refrigerators, garbage disposals, dishwashers, washers, dryers, and more. Covered systems are usually air conditioning, heating, plumbing, and electrical. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. It's important for Pequannock homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, 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 you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for heating, plumbing, electrical, AC, and appliances. More robust coverage options also cover other items such as well pumps, pools, roof leaks, and spas. Look for companies with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's reputation can give you insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Use review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and feedback indicate a company known for great service.
Home warranty providers keep networks of professionals to handle covered repairs. Bigger networks increase the likelihood of getting qualified technicians to promptly service your home. Reach out to potential providers and ask how many contractors they have in Pequannock to get a sense of how quickly your repairs could be handled in an emergency.
Certain home warranty companies provide extras such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These offer extra value beyond repair coverage. Added perks can enhance your home and help maximize your home warranty.
Pequannock’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
On top of saving you money on out-of-pocket expenses, a home warranty can provide 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 technicians who can handle any repair problems you may come across. Plus, having a home warranty can 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 policy to a new owner and give them the protection you’ve been benefiting from.
Home warranties also have some downsides. Though it can save you time when the home warranty sends out a repair person who handles the repair for you, some homeowners may not like this, and they would rather choose their own contractor. If that’s important to you, some home warranty providers allow you to select a contractor.
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 denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Pequannock can cost between $30 and $60 a month. The higher-priced plans tend to have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover issues 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 might not be too much of a concern in Pequannock. It doesn't cover a typical appliance or system breakage.
Homebuyers, homeowners, home sellers, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Pequannock include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your home systems and appliances, such as your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the specific items listed in the plan.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Typically, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees. In Pequannock, where the median home value is $489,586, having the seller pay for the home warranty can be a good asset for your new home.
