Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Millburn can be exciting for many people, but it also comes with its fair share of difficulties. Home repairs can be an unanticipated financial burden for many homeowners. A home warranty plan can help protect you by lowering the costs of major repairs and replacements on your home’s most important systems and appliances.
The home warranty market is saturated with many providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Millburn.
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
In Millburn, Liberty Home Guard is the most trustworthy home warranty. Liberty has around 6 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The 3 policies that Liberty offers include options for appliance and system coverage. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 for each covered system or appliance.
For more information, read our detailed review of Liberty Home Guard. To get 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
In Millburn, Choice Home Warranty is the best overall home warranty. Choice has around 15 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The 2 policies that Choice offers include options for appliance and system coverage. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.
For more information, read our detailed review of Choice Home Warranty. To get 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
In Millburn, Select Home Warranty is the most cost-effective home warranty. Select has around 11 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The 3 policies that Select offers include options for appliance and system coverage. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 for each covered system or appliance.
For more information, read our detailed review of Select Home Warranty. To get 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
In Millburn, American Home Shield is the most customizable home warranty. AHS has around 26 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The 3 policies that AHS offers include options for appliance and system coverage. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered system or appliance.
For more information, read our detailed review of American Home Shield. To get a free quote from American Home Shield, you can 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
In Millburn, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has around 44 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The 3 policies that Cinch offers include options for appliance and system coverage. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 for each covered system or appliance.
For more information, read our detailed review of Cinch Home Services. To get 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
In Millburn, The Home Service Club is the best home warranty with the quickest service. HSC has around 15 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. The 2 policies that HSC offers include options for appliance and system coverage. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered system or appliance.
For more information, read our detailed review of The Home Service Club. To get 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 | $8,250 |
| Heating | $5,500 |
| Electrical | $825 |
| Toilets | $688 |
| Washer/Dryer | $1,100 |
| Plumbing | $825 |
| Oven | $2,200 |
| Fridge | $825 |
A home warranty is a protection policy that helps Millburn homeowners reduce 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 company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is 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 costly emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include dryers, washers, microwaves, refrigerators, garbage disposals, dishwashers, and others. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranty plans offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Millburn homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage can have major differences in what's included. Most plans include protection for plumbing, electrical, AC, heating, and appliances. More inclusive options also offer coverage on other items such as pools, spas, roof leaks, and well pumps. Look for companies with varied coverage options, including upgraded plans. This helps you tailor protection to your needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per service call made. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation can give you insight into things such as contractor quality, approval rates, repair timeliness, and customer satisfaction. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential businesses to learn the number of repair professionals they have in Millburn and get an idea of how fast your repairs could be handled in an emergency. More extensive networks raise the probability of getting qualified contractors to quickly service your home.
Some home warranty companies may include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can provide extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
Temperatures in Millburn can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Millburn, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Not only can a home warranty offer some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most. Another benefit of having a home warranty is while selling your home, you can most likely transfer your home warranty policy to the new owners. It can make your house more attractive to potential homebuyers and may help your home sell faster.
There are also some downsides to getting a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another downside is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Millburn can cost between $30 and $60 a month. Higher-priced plans typically have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which can sometimes be a concern in Millburn. It doesn't cover a typical appliance or system breakage.
A home warranty policy can help homebuyers, real estate agents, homeowners, home sellers, and investors. It can offer peace of mind and savings to anyone involved in homeownership.
The different home warranties in Millburn include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Typically, the homeowner pays for the home warranty. In some cases, however, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Millburn is $1,049,115, a home warranty can save you some money when buying a home.
