Best 7 Home Warranty Companies in Kearny, NJ
- Fact Checked
- Updated 2024-06-22 00:00:00
Many New Jersey homeowners rely on air conditioning to keep cool in the summer, and on appliances such as washing machines and dishwashers for ease and convenience. When one of these stops working, repair costs can add up.
A home warranty plan helps mitigate the cost of repairs and replacements, but picking the right provider can be a headache. That's why our team has researched a list of the top home warranty companies in Kearny, 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 Kearny
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 Kearny
- Average Max Temperature:60°F
- Average Min Temperature:46°F
- Average Annual Snowfall:28.4”
- Homeownership Rate:32%
- Median Home Size:1,033 sqft
- Median Home Price:$495,252
Are Home Warranties Worth It for Kearny Residents?
Home warranties are beneficial for Kearny residents. Kearny summers can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Kearny can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Kearny's heavy rain can also affect your roof. Some home warranty companies offer limited roof-leak protection to ease the financial burden of repair.
Finally, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of approximately $65–$125 whenever you file a claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.
Coverage
Many home warranty companies offer plans for select appliances or systems. Figure out which systems and appliances you use most often before purchasing a plan. If you only want to cover certain major systems (such as air conditioning) or certain 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
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude appliance components or cosmetic issues, defects, theft, or routine maintenance. You can read about your provider's exclusions and limitations in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Customer reviews can show you how companies handle customer service and claims. Check with the New Jersey Division of Consumer Affairs to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's network of service providers. Trustworthy home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions about Home Warranty in Kearny
No, home warranties are not required in Kearny. However, we still recommend purchasing a home warranty to help you maintain a budget to cover expensive appliance and system breakdowns. Home warranty providers also save you time by sourcing reputable technicians themselves.
A preexisting condition is a breakdown or issue a home appliance or system experienced before your coverage began. Most providers won't cover preexisting conditions. You should purchase a home warranty policy when all your appliances and systems still work for complete protection.
Kearny's best home warranty provider depends on what you're looking for. American Home Shield is a solid choice for comprehensive coverage limits. You might also consider Liberty Home Guard if you need unique coverage.
Yes, you can find a home warranty that covers household items besides common appliances and systems. For instance, some home warranty policies may cover pools and spas, sump pumps, septic systems, well pumps, or stand-alone freezers. These are usually considered add-ons. Check with a company representative to determine what add-ons it has available.
Home warranty policies usually don't cover already broken items. Therefore, most home warranty providers have a 30-day waiting period before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear rather than preexisting conditions.
The length of a home warranty policy depends on the company. Plans typically last for one year, and you can renew at the end of your contract.
More Home Warranty Resources
Sources
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