Written By David Cusick
Last Updated April 2024
With hot summers in Red Bank, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty is a way to protect your budget from unexpected 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.
Finding the best home warranty on the market can be difficult because of the sheer number of options available. If you're overwhelmed by trying to compare them all, keep reading for our guide on the top home warranty providers in Red Bank.
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 is the most trustworthy home warranty for Red Bank residents. Liberty is a home warranty company with 6 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Liberty are easy to understand and offer a mix of both system and appliance coverage. When you buy a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Red Bank 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 typically around $3,000 at the maximum.
Read more by visiting our Liberty Home Guard full review. To receive 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
Choice Home Warranty is the best overall home warranty for Red Bank residents. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage. When you buy a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty 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 Red Bank 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 typically around $3,000 at the maximum.
Read more by visiting our Choice Home Warranty full review. To receive 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
Select Home Warranty is the most cost-effective home warranty for Red Bank residents. Select is a home warranty company with 11 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Select are easy to understand and offer a mix of both system and appliance coverage. When you buy a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty 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 Red Bank 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 typically around $2,000 at the maximum.
Read more by visiting our Select Home Warranty full review. To receive 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
American Home Shield is the most customizable home warranty for Red Bank residents. AHS is a home warranty company with 26 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from AHS are easy to understand and offer a mix of both system and appliance coverage. When you buy a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Red Bank 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 typically around $2,500 at the maximum.
Read more by visiting our American Home Shield full review. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Red Bank residents. First American is a home warranty company with 39 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from First American are easy to understand and offer a mix of both system and appliance coverage. When you buy a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty offers 2 plans for Red Bank homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.
Read more by visiting our First American Home Warranty full review. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
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 is the home warranty with the best workmanship guarantee for Red Bank residents. Cinch is a home warranty company with 44 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Cinch are easy to understand and offer a mix of both system and appliance coverage. When you buy a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Red Bank 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 typically around $1,000-$2,000 at the maximum.
Read more by visiting our Cinch Home Services full review. To receive 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
The Home Service Club is the best home warranty with the quickest service for Red Bank residents. HSC is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from HSC are easy to understand and offer a mix of both system and appliance coverage. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club 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 Red Bank 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 typically around $2,000 at the maximum.
Read more by visiting our The Home Service Club full review. To receive 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 | $6,009 |
Heating | $4,006 |
Electrical | $601 |
Toilets | $501 |
Washer/Dryer | $801 |
Plumbing | $601 |
Oven | $1,602 |
Fridge | $601 |
A home warranty is a protection plan that helps lower expenses for Red Bank homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that break due to 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 repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with aging systems. More modern homes with working fixtures probably don’t need a home warranty.
Home warranties cover many household systems and appliances. Covered appliances typically include washers, garbage disposals, microwaves, dishwashers, refrigerators, dryers, and others. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranty providers also offer additional coverage for septic systems, roof leaks, locksmiths, and central vacuums. It's important for Red Bank homeowners to know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover things like pre-existing conditions, cosmetic issues, natural disasters, or damage caused by improperly using a system or appliance. It's important to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several important factors to consider when selecting a home warranty provider:
Home warranty policies differ significantly in terms of coverage. Most plans cover AC, electrical, heating, plumbing, and appliances. More comprehensive options also extend protection to other items such as roof leaks, pools, spas, and well pumps. Look for companies with varied coverage options, including upgraded plans. This allows you to tailor protection to your home's needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per claim you submit. The per-request costs can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation can give you insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Use review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty providers keep networks of technicians to handle covered repairs. More extensive networks increase the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Red Bank to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty companies sometimes include extras such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras can add value beyond repair coverage. Added perks maximize the usefulness of your home warranty.
Since temperatures in Red Bank can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances breaks unexpectedly.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may experience. Plus, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and maybe even help your home sell faster.
As for the negatives of home warranties, coverage varies by provider, so it’s important to review what each policy covers and excludes in the contract.
Another thing to keep in mind is that some companies don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty provider for clarification about these things if you aren’t sure or if this is an issue for you.
A home warranty in Red Bank can cost between $30 and $60 a month. Higher-priced plans typically have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of something such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or stove, unless the damage is due to a natural disaster, which is somewhat common in Red Bank.
First-time homebuyers, home sellers, homeowners, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Red Bank include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the contract.
Home warranty plans generally last a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Red Bank is $238,316, a home warranty can save you some money when buying a home.