Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Although homeownership in Upper Montclair has a lot of advantages — such as being surrounded by nature — there are also downsides. One major headache many homeowners have to deal with inevitably is replacing or repairing their home systems and appliances. A home warranty in Upper Montclair can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best home warranty on the market can be time-consuming, as there are lots of companies to decide between. That’s why our team at Today's Homeowner did the research and put together a list of the best home warranty companies in Upper Montclair for you.
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 Upper Montclair, Liberty Home Guard is the most trustworthy home warranty. Liberty has more than 6 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the home warranty for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easy to comprehend and offer both system and appliance coverage.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
Read our Liberty Home Guard Review to learn more. To receive 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 Upper Montclair, Choice Home Warranty is the best overall home warranty. Choice has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000.
Read our Choice Home Warranty Review to learn more. To receive 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 Upper Montclair, Select Home Warranty is the most cost-effective home warranty. Select has more than 11 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to comprehend and offer both system and appliance coverage.
Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
Read our Select Home Warranty Review to learn more. To receive 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 Upper Montclair, American Home Shield is the most customizable home warranty. AHS has more than 26 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500.
Read our American Home Shield Review to learn more. To receive 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 Upper Montclair, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the home warranty for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000.
Read our Cinch Home Services Review to learn more. To receive 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 Upper Montclair, The Home Service Club is the best home warranty with the quickest service. HSC has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the home warranty for you. Plus, it 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 HSC are easy to comprehend and offer both system and appliance coverage.
The Home Service Club has 2 plans that provide a combination of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000.
Read our The Home Service Club Review to learn more. To receive 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 | $7,858 |
| Heating | $5,239 |
| Electrical | $786 |
| Toilets | $655 |
| Washer/Dryer | $1,048 |
| Plumbing | $786 |
| Oven | $2,095 |
| Fridge | $786 |
A home warranty is a protection policy that assists Upper Montclair homeowners reduce the expenses of appliance and system repairs. The plans provide coverage to repair or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners a sense of security since it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover many home systems and appliances. Common covered appliances include dryers, microwaves, garbage disposals, dishwashers, washers, refrigerators, and others. Covered systems include air conditioning, plumbing, electrical, and heating. Various home warranty plans offer additional coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Upper Montclair 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 help pay for repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are multiple home warranty terms to understand before signing an agreement, including:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans cover AC, plumbing, heating, electrical, and appliances. More inclusive plans may also include other things such as spas, roof leaks, well pumps, and pools. Look for a provider that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and 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. These per-claim charges can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies 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 approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty businesses have networks of local professionals to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Upper Montclair and get an idea for how fast your repairs could take place in an emergency situation. Wider networks increase the chances of getting qualified contractors to swiftly service your home.
Certain home warranty providers offer perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These offer extra value beyond repair coverage. Extra perks help improve your home and maximize your home warranty.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Upper Montclair reaching an average high of 60℃F, you may find that some appliances, like your air conditioner, get a lot of use. A home warranty can considerably decrease out-of-pocket expenses should your HVAC system stop working.
Plus, having a home warranty can save you some time by eliminating the need to research contractors — most companies will send a trusted professional right to your door to do the necessary repair or replacement. Plus, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you’ve been getting.
There are also some downsides to purchasing a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another thing to take into consideration is that some companies don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you aren’t sure or if this is a problem for you.
A home warranty plan costs, on average, around $300 to $600 a year in Upper Montclair. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different plan that protects your entire home from natural disasters, which can sometimes be a concern in Upper Montclair. It doesn't cover a typical appliance or system repairs.
A home warranty can help homeowners, home sellers, investors, real estate agents, and homebuyers. It can provide peace of mind to anyone involved with homeownership.
A home warranty can cover your home’s appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Usually 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 be responsible for the service fees when using the policy. Considering that the average home value in Upper Montclair is $659,968, a home warranty can save you some money when buying a home.
