Written By David Cusick
Last Updated February 2024
With hot summers and cool winters, working home systems and appliances, specifically HVAC, are extremely important for homeowners in Colts Neck. A home warranty can offer you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best protection for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Colts Neck. Keep reading for our recommendations.
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 in Colts Neck. 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 comprehensive and offer a mix of both system and appliance coverage.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, 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 is the best overall home warranty in Colts Neck. 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 comprehensive and offer a mix of both system and appliance coverage.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Choice Home Warranty, 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 is the most cost-effective home warranty in Colts Neck. 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 comprehensive and offer a mix of both system and appliance coverage.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from Select Home Warranty, 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 is the most customizable home warranty in Colts Neck. 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 comprehensive and offer a mix of both system and appliance coverage.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500 at the maximum.
To get a free quote from American Home Shield, 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 is the home warranty with the best workmanship guarantee in Colts Neck. 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 comprehensive and offer a mix of both system and appliance coverage.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, 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 is the best home warranty with the quickest service in Colts Neck. 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 comprehensive and offer a mix of both system and appliance coverage.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from The Home Service Club, 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 | $6,942 |
Heating | $4,628 |
Electrical | $694 |
Toilets | $578 |
Washer/Dryer | $926 |
Plumbing | $694 |
Oven | $1,851 |
Fridge | $694 |
A home warranty is a protection plan that helps Colts Neck homeowners in reducing the expenses of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that stop working due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. 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 gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties help protect both your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, dryers, washers, dishwashers, refrigerators, microwaves, and more. Covered systems include air conditioning, heating, plumbing, and electrical. Many home warranty plans offer additional add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. Colts Neck homeowners should know that most home warranty policies have a 30-day waiting period 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 problems such as cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Here are some essential home warranty terms to learn before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans cover electrical, heating, plumbing, AC, and appliances. More comprehensive options may also include other things such as well pumps, spas, roof leaks, and pools. Look for a company that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
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 Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers have networks of contractors to handle covered repairs. Larger networks improve the likelihood of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Colts Neck to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty companies include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can provide extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Home warranty plans are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Colts Neck reaching an average high of 60℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can significantly lower out-of-pocket expenses should your HVAC system break down.
Not to mention, having a home warranty can save you some time by removing the need to research repair people — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Another benefit of having a home warranty is if you want to sell your home, some providers let you transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and may help your home sell faster.
Home warranties also have some downsides. Though it can give you less to worry about since the home warranty sends out a service technician who does the repair for you, some may not like this, and they may want to choose their own contractor. If that’s important to you, some home warranty providers let you select a contractor.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, around $300 to $600 a year in Colts Neck. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill 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 kinds of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new dryer or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Colts Neck.
Homebuyers, home sellers, landlords, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in Colts Neck include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans usually last a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Colts Neck is $668,056, a home warranty can save you some money when buying a home.