Written By David Cusick
Last Updated February 2024
Homeownership in Iselin can be gratifying for many, but it also comes with its fair share of challenges. Home repairs can be an unanticipated financial burden for many homeowners. A home warranty can bring you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major systems and appliances.
Choosing the best home warranty on the market can be difficult because of the sheer number of options out there. If you're tired of trying to compare them all, keep reading for our guide on the best home warranty providers in Iselin.
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 Iselin residents. The 3 plans from Liberty are easy to understand and offer both system and appliance coverage. 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 Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. 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.
Read our Liberty Home Guard full review to learn more. To get 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
Choice Home Warranty is the best overall home warranty for Iselin residents. The 2 plans from Choice are easy to understand and offer both system and appliance coverage. 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 Home Warranty are Basic Plan and Total Plan. 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.
Read our Choice Home Warranty full review to learn more. To get 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
Select Home Warranty is the most cost-effective home warranty for Iselin residents. The 3 plans from Select are easy to understand and offer both system and appliance coverage. 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 Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. 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.
Read our Select Home Warranty full review to learn more. To get 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
American Home Shield is the most customizable home warranty for Iselin residents. The 3 plans from AHS are easy to understand and offer both system and appliance coverage. 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 American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. 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.
Read our American Home Shield full review to learn more. To get 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Iselin residents. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage. 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 Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 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.
Read our Cinch Home Services full review to learn more. To get 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
The Home Service Club is the best home warranty with the quickest service for Iselin residents. The 2 plans from HSC are easy to understand and offer both system and appliance coverage. 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 The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. 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.
Read our The Home Service Club full review to learn more. To get 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 | $7,140 |
Heating | $4,760 |
Electrical | $714 |
Toilets | $595 |
Washer/Dryer | $952 |
Plumbing | $714 |
Oven | $1,904 |
Fridge | $714 |
A home warranty is a protection policy that assists Iselin homeowners lower the high costs of household repairs. These plans offer financial coverage to fix or replace appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider 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 security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who own older homes or ones with outdated systems. Newer homes with functional fixtures probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include dishwashers, refrigerators, microwaves, garbage disposals, dryers, washers, and more. Included systems are typically electrical, plumbing, heating, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. It's important for Iselin homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
There are several important considerations when choosing a home warranty provider:
Home warranties have significant variation in what they include. Basic plans typically cover electrical, plumbing, AC, heating, and appliances, while more comprehensive options may also cover well pumps, pools, roof leaks, and spas. 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 needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per claim you submit. The costs from multiple fees can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles when customers go a period with no claims filed.
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. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Reach out to potential companies to learn the number of repair specialists they have in Iselin and get an idea of how fast your repairs could be handled in an emergency. Larger networks improve the probability of getting qualified contractors to quickly service your home.
Home warranty providers sometimes offer perks such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These add value beyond repair coverage. Added perks maximize the usefulness of your home warranty.
Iselin’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 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 needed repairs, preventing you from spending unexpected money out of pocket.
In addition, having a home warranty can save you time by removing the need to research technicians — most companies will send a trusted professional right to your door to complete the repair or replacement. In addition, though home warranty companies vary, 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 help your home sell faster.
One disadvantage of a home warranty is that there are often exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read over any contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another downside is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Iselin can cost anywhere from $30 to $60 a month. The higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects the entire home from natural disasters, which can sometimes be a concern in Iselin. It doesn't cover a typical appliance or system repairs.
First-time homebuyers, real estate agents, homeowners, home sellers, and landlords are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty can cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans typically last a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
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 will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Iselin, where the median value of a home is $448,913, having the seller pay for the home warranty can be a good asset for your new home.