6 Best Home Warranty Companies In Paterson, NJ
Our guide on the top home warranty companies in Paterson can help you select the right one for your home.
Paterson is a wonderful area in the state of New Jersey to own a home. Closing on a new home is just the beginning, however. You still have to maintain it, which can be quite costly. As a homeowner in Paterson, you will unexpectedly have issues with your home systems and appliances that you'll have to handle, and these can be expensive.
Compare the Best Home Warranty Companies in Paterson
There are a sizable number of plans that we had to sort through to be able to compile our guide of the best home warranty policies in Paterson. Finding a home warranty policy that is a good fit for your home can be a bit of a challenge. Luckily we have considered things like coverage choices, pricing, service fees, customer service reviews, and more for each provider to help you make your choice. Here's how they ranked.
| 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 Paterson
- 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
Paterson'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
Choice Home Warranty offers the best overall home warranty in Paterson. Choice has 2 simple plans, making the selection process easy. The plans that Choice offers to homeowners are Basic Plan and Total Plan.
Choice's service fees are $85, and the coverage limits come out to about $3,000 per appliance or system. Additionally, Choice has 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
For homeowners who want the most trustworthy in Paterson, homeowners should consider picking Liberty Home Guard. The 3 plans that Liberty has include differing levels of system and appliance coverage, as well as add-on options. Liberty Home Guard's plans include Appliance Guard, Systems Guard, and Total Home Guard.
Service fees from Liberty are $75. The coverage caps are also generally around $3,000 for most appliances and systems. When you purchase 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 offers the most customizable home warranty option for Paterson residents. The 3 home warranty plans that AHS has include differing levels of system and appliance coverage, as well as add-on options. The ShieldSilver, ShieldGold, and ShieldPlatinum are the names of the company's plans, and it also offers add-on options.
The coverage caps associated with AHS's plans are around the $2,500 mark for most of the major home systems and appliances, and service fees range from $70 to $125. When you purchase a policy from AHS, you can look forward to 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 a good choice for homeowners who'd like the most cost-effective in Paterson. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the names of the company's plans, and it also has add-ons.
The coverage limits from Select are around $2,000. The service fees are $80, which is fairly affordable. With a home warranty from Select, you can benefit from 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 choice for homeowners who'd like the best coverage in Paterson. FPHW has 2 simple plans, making the selection process and policy coverage easily comprehensible. The Premier Plan and Platinum Plan are the options the company has, and it also offers add-ons.
The coverage limits from FPHW are about $1,500. The service fees are $75, which is fairly reasonable. When you have 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
In Paterson, Cinch Home Services is the best workmanship guarantee home warranty plan. 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 for Cinch's plans are close to the $1,000-$2,000 mark for many major home systems and appliances, and service fees range from $75 to $150. Additionally, Cinch offers 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 Paterson?
Now that you have an idea of which home warranty providers are the best in Paterson, you may be wondering what their plans typically cover. With a home warranty in Paterson, you can relax knowing that a broken HVAC or refrigerator should only cost you a service fee. Some home warranty policies will have system and appliance coverage, and others will have one or the other. Most Paterson homeowners prefer a combination of coverage to ensure all needs are met.
Here are the common systems covered under a home warranty:
- Garbage disposal
- Electrical system
- Water heater
- HVAC (heating and air conditioning)
- Plumbing system including stoppages
- Ceiling and exhaust fans
- HVAC ductwork
Common appliances include:
- Dishwasher
- Built-in Microwave
- Clothes Washer
- Oven / Range / Stove
- Refrigerator
- Clothes Dryer
Cost of a Home Warranty in Paterson?
At Review Home Warranties, we have done in-depth research to find out the average costs of a home warranty plan in Paterson. The cost of a home warranty for Paterson residents depends on the size or type of the home, as well as the type of coverage you want.
The service fees home warranty companies offer range from $60-$150 and monthly premiums $30-$80, depending on the coverage you select. Plus, if you select any add-on coverage, that will affect the cost. Keep these costs in mind as you shop and look through the plan options that are available to you.
Is a Home Warranty Worth It in Paterson?
When shopping for a home warranty, there are some pros and cons you should keep in mind. Making sure you read your contract thoroughly can help you get the best deal on a home warranty and one that fits your needs. Here are some of the benefits that you can get from a home warranty:
- Peace of mind--As a homeowner, you may be worried about your dishwasher or stove going at any time. A home warranty can give you some peace of mind that when something breaks, it will be covered.
- Fast response times--When you file a claim, a customer service representative will typically answer you within a 24 to 48-hour period and get a contractor to come soon.
- 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 usually between 30 and 90 days.
- Quality contractors--There are many challenges that come with an appliance or system breaking down, and one of them is locking in a contractor. Your home warranty can take care of this for you, which takes that off your plate.
There are also some terms to keep in mind about home warranties that could be a drawback for homeowners, including:
- Coverage limit--The coverage limit determines how much the home warranty will pay for a repair or replacement. If you need a repair that is more than this amount, you will have to cover the rest yourself.
- Waiting period--If you want to file a claim right away, that often isn't possible. Most home warranties have you wait 30 days before you can submit a claim.
The average cost of a drain pipe is around $560, so a home warranty can save you from having to pay all of that money yourself when an issue arises.
FAQ's for Home Warranties in Paterson
What's the best home warranty company in Paterson?
The top home warranty company in Paterson is Choice Home Warranty. Choice Home Warranty offers good customer service and a large network of professional repair technicians in the area.
How is a home warranty different from homeowners insurance?
Home warranty policies cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different kind of insurance that protects the entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system breakage.
What types of things does a home warranty commonly cover?
A home warranty plan will cover the repair and replacement costs for your home systems and appliances. Home warranties only cover damage due to normal wear and tear and usually don't cover pre-existing conditions.
How soon can you use a home warranty after purchasing it?
Most home warranty companies have a 30-day waiting period before you can make service requests, but some may offer coverage sooner. Be sure to check with the provider about this if quicker coverage is a necessity for you.
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.