6 Best Home Warranty Companies In Middlesex, NJ
We've reviewed the best home warranty policies in Middlesex so you can choose the right one for your home easily.
Being a homeowner in Middlesex is a dream for many, but it also comes with its difficulties. The cost of living for many is increasing, and even just a simple appliance or system repair could break a homeowner's budget.
Compare the Best Home Warranty Companies in Middlesex
There are many home warranties that need to be reviewed for us to be able to put together our guide of the best home warranty policies in Middlesex. We considered everything from coverage options to pricing to customer reviews to figure out the best home warranty plans in Middlesex. This is how the top providers in Middlesex rank.
| Company Name | Choice Home Warranty | Liberty Home Guard | American Home Shield | |||
|---|---|---|---|---|---|---|
| Number of Plan Options | 2 | 3 | 3 | |||
| Monthly Plan Cost | $45.00 - $53.33 | $69.99 - $79.99 | $29.27 - $74.27 | |||
| Better Business Bureau Rating | B | A | B | |||
| Reviews | Reviews | Read Choice Home Warranty Reviews | Reviews | Read Liberty Home Guard Reviews | Reviews | Read American Home Shield Reviews |
Home Warranty Companies In Middlesex
- Choice Home Warranty: Best Overall
- Liberty Home Guard: Most Trustworthy
- American Home Shield: Most Customizable
- Select Home Warranty: Most Cost-Effective
- First Premier Home Warranty: Best Coverage
- Cinch Home Services: Best Workmanship Guarantee
Middlesex's Top Home Warranty Companies'
- Pros:
- Over 10 years of experience
- 24/7 customer service team
- Home inspections aren’t required
- 90-day repair guarantee
In Middlesex, Choice Home Warranty is the best overall home warranty option. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. Homeowners can choose between Choice Home Warranty's Basic Plan and Total Plan and also add-on options.
Choice's service fees are $85, and the coverage caps come out to around $3,000 per covered appliance or system. Choice is known as a company with high coverage caps and a contract that's easy to understand.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Basic Plan | $45.00 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater. Basic Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Basic Plan Add On |
| Total Plan | $53.33 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator. Total Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Total Plan Add On |
- Pros:
- 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
In Middlesex, Liberty Home Guard is the most trustworthy home warranty plan. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard.
Liberty's service fees are $75, and the coverage caps come out to about $3,000 for each system or appliance. When you buy a plan from Liberty, you will get guaranteed professionalism for every repair and some of the best customer service in the industry.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliance Guard | $69.99 | $75.00 | View Items Covered Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer. Appliance Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Appliance Guard Add On |
| Systems Guard | $74.99 | $75.00 | View Items Covered Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater. Systems Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Systems Guard Add On |
| Total Home Guard | $79.99 | $75.00 | View Items Covered Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater. Total Home Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Total Home Guard Add On |
- Pros:
- 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
American Home Shield has the most customizable home warranty in Middlesex. The 3 home warranty plans that AHS has include options for appliance and system coverage. The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum.
AHS's service fees range from $70 to $125, and the coverage caps come out to around $2,500 for each system or appliance. Additionally, AHS has a customizable plan and a low claim denial rate.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| ShieldSilver | $29.27 - $44.27 | $75.00 - $125.00 | View Items Covered Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan. ShieldSilver Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldSilver Add On |
| ShieldGold | $39.27 - $54.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan. ShieldGold Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldGold Add On |
| ShieldPlatinum | $59.27 - $74.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan. ShieldPlatinum Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldPlatinum Add On |
- Pros:
- 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
Select Home Warranty is the best option for homeowners who'd like the most cost-effective in Middlesex. Select has 3 plans for you to decide between, which have a mix of system and appliance coverage. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options the company has, and it also offers add-ons.
The coverage caps for Select's plans are around the $2,000 mark for most major systems and appliances, and service fees are $80. When you purchase a plan from Select, you can look forward to an affordable service fee and free roof coverage.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Bronze Care Plan | $57.67 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer. Bronze Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Bronze Care Plan Add On |
| Gold Care Plan | $57.67 | $60.00 | View Items Covered Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater. Gold Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Gold Care Plan Add On |
| Platinum Care Plan | $62.08 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages. Platinum Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Platinum Care Plan Add On |
- Pros:
- Lower chance of claim denial
- Multiple optional coverage items
- 24/7 service calls
First Premier Home Warranty offers the best coverage home warranty plan for Middlesex residents. FPHW has 2 plans for homeowners to choose from, which have a mix of system and appliance coverage. The plans that FPHW offers to homeowners are Premier Plan and Platinum Plan.
FPHW has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so it's important to ask the provider. Service fees are $75. With a home warranty from FPHW, you can enjoy a quality customer service team and coverage for your appliances and home systems at affordable prices.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Premier Plan | $35.00 | $75.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door, Microwave, Oven, Plumbing system, Plumbing stoppages, Sump pump, Trash compactor, Water heater. Premier Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Premier Plan Add On |
| Platinum Plan | $43.00 | $75.00 | View Items Covered Air conditioning, Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door opener, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Sump pump, Trash compactor, Washer, Water heater. Platinum Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Platinum Plan Add On |
- Pros:
- Offers home insurance deductible of $500
- Extra long 180-day workmanship guarantee
- Offers free cancellation in the first 30 days
For homeowners who want the best workmanship guarantee in Middlesex, Cinch Home Services is a great choice. Cinch has 3 simple plans, making the selection process quick and easy. The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
The coverage caps from Cinch are around $1,000-$2,000. The service fees range from $75 to $150, which is fairly affordable. When you have a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee and a wide range of coverage options.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliances Plan | $34.99 - $50.99 | $75.00 - $150.00 | View Items Covered Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer. Appliances Plan Included Item | View Add-on Items Pool, Septic, Well pump. Appliances Plan Add On |
| Built-in Systems Plan | $39.99 - $57.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan. Built-in Systems Plan Included Item | View Add-on Items Pool, Septic, Well pump. Built-in Systems Plan Add On |
| Complete Home Plan | $49.99 - $67.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan. Complete Home Plan Included Item | View Add-on Items Pool, Septic, Well pump. Complete Home Plan Add On |
What does a Home Warranty Cover in Middlesex?
A home warranty will assist you with systems and appliances in your home that experience damage due to normal wear and tear. The Middlesex home warranty can cover anything from a microwave to a plumbing system and everything in between. Some home warranties will even cover your roof when it leaks.
Some of the most common system coverages included under a home warranty in Middlesex include:
- HVAC (heating and air conditioning)
- Water heater
- Plumbing system
- Electrical system
Common appliances include:
- Dishwasher
- Refrigerator
- Clothes Washer
- Built-in Microwave
- Oven / Range / Stove
- Clothes Dryer
Cost of a Home Warranty in Middlesex?
Middlesex homeowners that are concerned about the costs should have a general idea as to what home warranty plans cost on average. The cost will vary based on the coverage choices, type of home, and the service fee that you need.
In general, service fees can cost from $60 to $150 and monthly cost from $30 to $80, depending on how much coverage you choose. Add-ons will also increase how much it costs overall. Keeping these ranges in mind as you shop around will help you get a great deal on your home warranty.
Is a Home Warranty Worth It in Middlesex?
Having a home warranty can help to ensure that your budget and your home is properly protected if an issue should come up. Homeownership is a complicated thing, and ensuring that you have all of the information you need before purchasing a home warranty plan is quite important, which is why we're going to go over some of the pros and cons of a home warranty. Let's look at the benefits associated with a home warranty first:
- Workmanship guarantee--After getting a repair, if the problem comes back within the guarantee period, the home warranty will help you with it again. The guarantee period is generally between 30 and 90 days.
- Peace of mind--When an appliance or system needs fixing in your home, you can spend a lot of time being concerned about the cost of the repair. A home warranty will give you peace of mind about how much it'll cost.
- Fast response times--It can be challenging to get a repairperson you found on your own to commit to a schedule or a speedy response. A home warranty provider usually guarantees service within a specific period of time, allowing homeowners to get the repair done quickly and move on.
And these are a few of the potential downsides of a home warranty:
- Coverage cap--Be sure to note the coverage limits in the home warranty contract. This will determine the highest amount the home warranty will pay for a repair or replacement.
- Exclusions--Keep in mind that home warranty contracts typically mention exclusions, like intentional damage or pre-existing conditions.
- Waiting period--You often will have to wait about 30 days before you can file a claim with your home warranty.
Having a reliable network of contractors is one of the benefits of having a home warranty. This makes getting repairs done super easy, since you won't have to research contractors and call around for quotes.
FAQ's for Home Warranties in Middlesex
Which home warranty is the best in Middlesex?
Our overall pick for the best home warranty provider in Middlesex is Choice Home Warranty. However, the best company for you depends on the coverage you need for your appliances and systems.
What's the purpose of a home warranty?
A home warranty is a service contract designed to give homeowners extra coverage for their household systems and appliances, such as dryers, garbage disposals, refrigerators, washing machines, dishwashers, sump pumps, heating and cooling systems, water heaters, plumbing, electrical systems, among others.
How does a home warranty work?
When a home system or appliance breaks down, your home warranty can help. First, you submit a claim, which you can do on the phone or online. Then, the home warranty company will send a contractor to your home and you will pay a service fee once the problem has been resolved.
When can you use a home warranty after purchasing it?
Typically coverage for a home warranty begins 30 days after the payment receipt. However, a few companies may let you file a claim before this, so verify with customer service to find the exact waiting period for your situation.
Our Rating Methodology
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what we value in our review process:
- Plan options: Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics: The more items covered in a home warranty plan, the higher the score.
- Pricing: We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability: Finding coverage in your state can be a challenge if home warranty companies aren't located there. The more states covered, the higher the score.
- Customer service: Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits: Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
Of the 50 different companies that we've reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.