Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Being a homeowner in West Windsor is a great option for those who like nature and quiet neighborhoods. However, as great as West Windsor 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 savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Choosing the best home warranty on the market can be difficult because of the numerous options out there. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty companies in West Windsor.
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 West Windsor, Liberty Home Guard is the most trustworthy home warranty. Liberty is a home warranty provider with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
For more information on this provider, read our Liberty Home Guard full review. 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
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 West Windsor, Choice Home Warranty is the best overall home warranty. Choice is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options. 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
For more information on this provider, read our Choice Home Warranty full review. To receive 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
In West Windsor, Select Home Warranty is the most cost-effective home warranty. Select is a home warranty provider with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
For more information on this provider, read our Select Home Warranty full review. 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
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 West Windsor, American Home Shield is the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information on this provider, read our American Home Shield full review. To receive 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
In West Windsor, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty provider with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information on this provider, read our Cinch Home Services full review. 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
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 West Windsor, The Home Service Club is the best home warranty with the quickest service. HSC is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options. 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information on this provider, read our The Home Service Club full review. 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
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 | $7,461 |
| Heating | $4,974 |
| Electrical | $746 |
| Toilets | $622 |
| Washer/Dryer | $995 |
| Plumbing | $746 |
| Oven | $1,989 |
| Fridge | $746 |
A home warranty is a protection plan that helps West Windsor homeowners in lowering the expenses of appliance and system repairs. The plans provide financial coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners peace of mind because it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems 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 your home systems and appliances. Common appliances covered include dryers, washers, dishwashers, microwaves, refrigerators, garbage disposals, and more. Covered systems are normally plumbing, air conditioning, heating, and electrical. Many home warranty providers offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Most home warranty plans require West Windsor homeowners to wait 30 days before the plan will cover repairs. Moreover, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to understand before signing an agreement, including:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans cover plumbing, AC, electrical, heating, and appliances. More comprehensive options may also cover additional items such as roof leaks, spas, pools, and well pumps. Look for providers with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out companies advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's rating gives you insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to learn the number of repair specialists they have in West Windsor and get an idea of how quickly your repairs could be handled in an emergency. Larger networks improve the chance of getting qualified contractors to promptly service your home.
Some home warranty companies may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can offer extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
West Windsor’s relatively mild winters and hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if 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 repairs, saving you from spending unexpected money out of pocket.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting contractors on your own, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Plus, though home warranty companies vary, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
There are also some drawbacks to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Plus, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, around $300 to $600 a year in West Windsor. 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 choosing a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which isn't that common in West Windsor.
A home warranty can help investors, home sellers, real estate agents, homeowners, and homebuyers. It can offer peace of mind to anyone involved with homeownership.
The different types of home warranties in West Windsor include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your home systems and appliances, including your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items listed in the plan.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Generally, 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 when using the policy. In West Windsor, where the median value of a home is $684,314, having the seller pay for the home warranty can save you some money on your new home.
