Home Warranty

7 best home warranty companies in Hackensack, New Jersey

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Hackensack. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Consider a home warranty to financially protect your home's essential items. These policies cover the replacement or repair of major household systems and appliances, like air conditioners and refrigerators, for a monthly fee.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically last just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today fail after about 20 years.

If your Hackensack house contains any aging furnaces, dishwashers or other appliances, you'll likely face a surprise breakdown. These best home warranty providers offer robust coverage at reasonable prices.

The perpetually snowy Hackensack winters can impact your roof and HVAC system's health, so we recommend a home warranty to protect you from unexpected repair bills. Each of the companies below has solid coverage for appliance and systems and systems.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Hackensack

Here's our list of the best home warranty companies in Hackensack:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee if your covered item can’t be fixed or replaced.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers plans with a 60-day workmanship guarantee on completed repairs. Compared to other providers in this piece, it also provides the largest number of coverage add-ons – 38 in total.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American Home Warranty has comprehensive coverage caps for appliances in each plan. Additionally, First American includes its First American Advantage upgrade in its Essential and Premium plans. This upgrade provides coverage for miscellaneous items, such as appliance knobs and dials.

What we like

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

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your premium.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

What we like

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

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Hackensack

The cost of a home warranty is around the same as the national average, and it largely depends on how often you want to make payments. The national average is roughly $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties protect a variety of major systems and home appliances. We'll present a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Washing machines
Clothes dryers
Dishwashers
Built-in microwaves
Refrigerators
Cooktops

The first category of items home warranties cover is kitchen appliances and household items. This category includes the following: When you purchase a home warranty, you're also getting coverage for major home systems. While different plans have unique coverage scopes for this category, the following systems can be included:

Electrical
Water heater
HVAC
Central vacuum
Plumbing

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, which are the items and circumstances it will not cover. Your contract will outline each exclusion upfront, so read carefully before you sign. Generally, home warranties won't cover item breakdowns caused by damage outside of normal wear and tear. For example, if your air conditioner stops working due to a dirty air filter, home warranty companies likely won't cover the repairs since air filter replacement falls under routine maintenance. Additionally, home warranties won't cover preexisting conditions, rust or corrosion damage, improper system or appliance installation, hazardous waste, cosmetic damage and acts of nature.

Questions to ask home warranty providers in Hackensack

We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.

What items would my policy cover?

Before asking a home warranty provider for a quote, write down the specific systems and appliances that you need covered. Then, confirm the company has plans meeting your needs. Some companies separate appliance and system coverage into different plans. Many companies also sell optional add-ons, covering things like roof leaks and sump pumps. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

Generally, home warranty contracts are active for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies require this 30-day waiting period to stop customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with a multiyear plan.

What contractors do you work with?

Be sure to ask about the warranty provider's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might let you choose your own. You can verify a contractor's license by searching the New Jersey Division of Consumer Affairs database.

How does your claims approval process work?

Understanding the way a company’s claims process works often makes the difference between an approved claim and a denied one. Home warranty providers typically accept claims via their website or a round-the-clock support line. Typical response times are within one to two days of filing, though there may be processing delays if you file a claim outside normal business hours. Once the provider receives your claim, someone will review it and connect you with an in-network service provider. The contractor will schedule a visit, diagnose the problem, and then request final approval from the home warranty provider before starting repairs.

Can I transfer my policy to the next owner of my home?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies manage the transfer without cost, while others charge a transfer fee. Sellers can also purchase special home warranty plans that are readily transferable to prospective buyers. This is an easy way to make your home more attractive to your home in a competitive real estate market and provide the buyer extra reassurance.

Home warranty contract fine print

To complete your research, we recommend reading the home warranty provider’s detailed terms and sample contract prior to purchasing a plan. Knowing the company’s terms and conditions can help you determine whether it’s the right one for your needs. It'll also help you advocate for yourself if you need to file a claim. Below are several terms you should look for while reviewing the contract:

Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company won't charge additional service call fees for a repair if an in-network technician has recently tried to fix the item. The industry standard is 30 days, but some companies offer longer workmanship guarantees.
Coverage limit: The coverage limit puts a monetary cap on how much the home warranty company will pay per repair. There may be further stipulations, such as an annual coverage limit.
Exclusions: Pay particular attention to the exclusions a company lists in its fine print. For example, most home warranty sample contracts detail component exclusions for each covered item.
Service call fee: The service call fee is how much you'll pay the home warranty company or service provider each time you file a claim. Fees typically range from $75–$125 per claim.
Cancellation: A home warranty contract should include information on cancellation and refunds. If you cancel within the first 30 days of signup, many companies will offer a complete refund of your annual premium.

Facts about Hackensack

Average High in July

82°F

Hackensack

83°F

National Average

Average Low in January

24°F

Hackensack

17°F

National Average

Average Daily Sunlight

63%

Hackensack

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Hackensack, New Jersey

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