6 Best Home Warranty Companies In Middletown, NJ
Looking for the best home warranty provider in Middletown? You're in the right spot.
If you're lucky enough to own a home in Middletown, you are surely aware that homeownership can be a bit challenging. With the cost of living slowly increasing, needing to repair or replace your appliances can really put a lot of stress on you.
Compare the Best Home Warranty Companies in Middletown
Middletown has access to plenty of home warranty companies. This is a lot of information for homeowners to digest and it can be quite the task to break down which of these home warranties would be right for your needs. At Review Home Warranties, we compared coverages, customer service reviews, BBB ratings, service fees, and more. Here are the rankings for the top home warranty companies in Middletown.
| 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 Middletown
- 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
Middletown'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 Middletown, Choice Home Warranty is the best overall home warranty policy. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. Homeowners can choose between Choice Home Warranty's Basic Plan and Total Plan and also add-on coverage.
The coverage caps associated with Choice's plans are close to the $3,000 mark for many of the major appliances and systems, and service fees are $85. With a home warranty from Choice, you can benefit from 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
Liberty Home Guard is a great choice for homeowners who'd like the most trustworthy in Middletown. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. The Appliance Guard, Systems Guard, and Total Home Guard are the options the company has, and it also has add-on options.
The coverage caps associated with Liberty's plans are close to the $3,000 mark for many of the major appliances and systems, and service fees are $75. Plus, Liberty offers 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 is a good choice for homeowners who want the most customizable in Middletown. AHS offers 3 plans for you to choose from, which contain a mix of appliance and system coverage. Its plans are ShieldSilver, ShieldGold, and ShieldPlatinum.
AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so it's important to ask the provider. Service fees range from $70 to $125. When you have a home warranty from AHS, you can benefit from 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 most cost-effective home warranty in Middletown. Select has 3 simple plans, making the selection process quick and easy. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the names of the company's plans, and it also offers add-ons.
Select has coverage caps of around $2,000 for most systems and appliances, but with some plans, the coverage caps can be higher, so it's a good idea to ask the provider. Service fees are $80. When you purchase a home warranty from Select, you will get 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 is the best option for homeowners who need the best coverage in Middletown. FPHW has 2 simple plans, making the selection process quick and easy. Its plans are Premier Plan and Platinum Plan.
FPHW's service fees are $75, and the coverage caps come out to around $1,500 for each appliance or system. Plus, FPHW offers 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 need the best workmanship guarantee in Middletown, homeowners should consider choosing Cinch Home Services. Cinch has 3 plans for homeowners to choose from, which contain a mix of appliance and system coverage. The home warranty plans from Cinch Home Services include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
Service fees from Cinch range from $75 to $150. The coverage caps are also about $1,000-$2,000. Cinch is known as a company with 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 Middletown?
A home warranty covers home systems and appliances and the typical wear that they can experience. A home warranty helps guard you against unexpected repair expenses. Home warranties will also help with the cost of replacements in some instances when an appliance or system cannot be repaired.
Some of the most common systems covered under a home warranty in Middletown include:
- Water heater
- Plumbing system
- Electrical system
- HVAC (heating and air conditioning)
The appliances commonly covered are ones like:
- Refrigerator
- Built-in Microwave
- Oven / Range / Stove
- Dishwasher
- Cooktop
- Clothes Washer
- Clothes Dryer
Cost of a Home Warranty in Middletown?
Middletown homeowners that are worried about the costs should have a general idea as to what home warranty policies cost on average. With a home warranty, the size of your home and the coverage will affect the overall price of the plan. Plans that cost more will generally have add-on coverages that increase the overall costs.
Generally, service fees range from $60 to $150 and monthly premiums from $30 to $80, depending on how much coverage you choose. Something else that raises the cost is add-on coverage. Keep these figures in mind as you shop for the right plan for your needs.
Is a Home Warranty Worth It in Middletown?
Most homeowners that sign up for a home warranty in Middletown are trying to save money. However, there are additional benefits, as well as some potential disadvantages, of a home warranty that homeowners should be aware of. Let's go over the benefits first:
- Fast response times--When you do not have a home warranty, you must search for a contractor, make an appointment with them, and hope they come on time to repair the issue. However, with the quick response times of a home warranty, you will likely have your repair in a 24-48 hour period.
- Workmanship guarantee--Many home warranty providers offer a workmanship guarantee. This ensures that the home warranty company will continue to help if the problem isn't resolved the first time.
- Peace of mind--If you are continually worried about the next issue that'll come up regarding your home systems and appliances, a home warranty can help you give you some peace of mind.
- Quality contractors--Home warranty providers have access to experienced contractors. These contractors have to undergo testing and screening to ensure they are a good fit for your home.
There are also a few cons of home warranties, such as:
- Waiting period--After taking out a home warranty plan, you usually need to wait about 30 days before coverage begins.
- Coverage cap--The coverage caps may be a drawback for some because the home warranty will only pay for repairs and replacements up to a certain amount.
Even though home warranty policies have coverage limits, the home warranty can still save you a decent amount of money on appliance or system replacements. For example, if the coverage cap is $1500 and it costs about $2000 to replace your fridge, you'll just have to pay $500 yourself, which is a forth of the original price.
FAQ's for Home Warranties in Middletown
What's the best home warranty company?
The top home warranty provider in Middletown is Choice Home Warranty. Choice Home Warranty has good customer service and an expansive network of professional contractors in the area.
What's a home warranty?
A home warranty is a type of service contract designed to give homeowners extra coverage for their household systems and appliances, like washing machines, garbage disposals, dishwashers, refrigerators, dryers, electrical systems, sump pumps, water heaters, heating and cooling systems, plumbing, among others.
How do you use a home warranty?
After you buy a home warranty policy and an appliance or system stops working, you should file a claim. The home warranty company will send a repair technician to your home to assess the situation and repair the issue. Then, you pay a service fee and the home warranty will cover the rest of the cost, as long as it is under the coverage cap.
Who needs a home warranty?
First-time home buyers, homeowners, landlords, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save homeowners money in the long run.
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.