Best 7 Home Warranty Companies in Belleville, NJ
- Fact Checked
- Updated 2024-06-22 00:00:00
Many homeowners in New Jersey depend on their air conditioning to stay cool in the summer, and on appliances like washing machines and dishwashers for ease and convenience. When one of these stops working, repairs can be costly.
A home warranty plan can help you avoid paying full price for repairs and replacements, but choosing a provider can be a headache. That's why our team has researched a list of the top home warranty companies in Belleville, New Jersey.
Ratings are based on our detailed proprietary methodology and review standards.
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Ratings are based on our detailed proprietary methodology and review standards.
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Ratings are based on our detailed proprietary methodology and review standards.
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
7 Best Home Warranty Companies in Belleville
Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.
American Home Shield
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Cons
- Doesn’t let customers choose their own technician
- Offers limited add-on options
52 Years in Business
BBB Rating:B
Liberty Home Guard
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Cons
- Lacks transparency on service call fee pricing
- Excludes coverage for known or unknown pre-existing conditions
6 Years in Business
BBB Rating:A+
Select Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
Cons
- Has a $75 cancellation fee
- Low coverage caps
11 Years in Business
BBB Rating:B-
AFC Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides an unlimited workmanship guarantee
- Offers generous appliance coverage limits
- Allows you to choose your own contractor
Cons
- Limits coverage limits for older items based on depreciated value
- Requires you to file a claim immediately after discovering an issue
14 Years in Business
BBB Rating:B
First American Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Allows you to choose your service call fee
- Doesn’t have a coverage cap on heating, cooling, or ductwork
- Accepts 24/7 service calls
- Offers replacement of some covered items that are too damaged to repair
Cons
- Doesn’t let customers choose their own contractor
- Charges higher for coverage compared to other providers
39 Years in Business
BBB Rating:B
Cinch Home Services
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers home insurance deductible of $500
- Extends a long 180-day workmanship guarantee
- Provides generous $10,000 aggregate coverage limit
Cons
- Charges high service fees of $75-$150
- Doesn’t allow customers to choose their own technician
- Isn’t available in Hawaii or Alaska
45 Years in Business
BBB Rating:B
2-10 Home Buyers Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers a $25,000 annual coverage cap
- Pairs plans with a plan-length workmanship guarantee
- Offers unique perks such as color matching appliance replacements
Cons
- Charges a monthly processing fee if you choose monthly premiums
- Excludes washer and dryer coverage from most plans
39 Years in Business
BBB Rating:A-
BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.
Facts about Belleville
- Average Max Temperature:60°F
- Average Min Temperature:45°F
- Average Annual Snowfall:28.4”
- Homeownership Rate:44%
- Median Home Size:1,993 sqft
- Median Home Price:$446,046
Are Home Warranties Worth It for Belleville Residents?
Yes, home warranties are worthwhile for Belleville residents. Summers in Belleville can have some very hot days, which means it's important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in Belleville can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Belleville's heavy rain can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair.
Finally, your home warranty will connect you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when choosing the best home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. You'll also pay service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
Many home warranty providers offer plans for select appliances or systems. Figure out which appliances and systems you use most often before choosing a plan. If you only need to cover certain major systems (like air conditioning) or specific appliances, you can find a plan that meets your needs. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Home warranties typically only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline limitations and exclusions with their service contracts. Make sure you read it and understand your protection plan's exact terms and conditions.
Provider Reputation
Provider reputation is another important factor to consider. You can read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles claims and customer service. Check with the New Jersey Division of Consumer Affairs to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty policy that allows the customer to choose their technician. There may be no in-network service providers available in these areas, so customers might need to source their own.
Frequently Asked Questions about Home Warranty in Belleville
No, Belleville does not require home warranties. However, we still recommend purchasing a home warranty to help you maintain a budget for covering expensive appliance and system breakdowns. Home warranty companies also help you save time by sourcing reputable technicians themselves.
A preexisting condition is a breakdown or issue experienced by a home system or appliance before your warranty coverage begins. Providers normally don't cover preexisting conditions. Make sure you purchase a home warranty policy while all your appliances and systems are still in working order to ensure full protection.
Belleville's best home warranty provider depends on what you're looking for. American Home Shield is a solid choice for comprehensive coverage limits. You may also consider Liberty Home Guard if you need unique coverage.
Yes, home warranties cover many types of home items aside from common appliances and systems. For example, home warranties cover stand-alone freezers, pools and spas, well pumps, septic systems, sump pumps, and more. Providers generally cover these items as add-ons. Check your provider's sample contract to see what add-ons are available.
Most home warranty companies have a 30-day waiting period before coverage begins. This is to know that any appliance and system breakdowns are the result of normal wear and tear rather than preexisting conditions. Home warranty providers won't cover an already broken item.
The normal process for resolving claims is simple. When an appliance or system breaks down, check your home warranty contract to make sure the item is covered. You can then reach out to the provider to submit a claim. You can call or use the provider's online portal. You pay the service fee, and your provider sends a professional contractor to your home to diagnose and fix the issue.
More Home Warranty Resources
Sources
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