Home Warranty

7 best home warranty companies in Rahway, 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 Rahway. 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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A home warranty gives you financial protection if an appliance or major home system suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items such as HVAC units and refrigerators when they break down from normal wear.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Rahway home contains aging furnaces, dishwashers or other appliances, you'll probably encounter an unexpected failure. These highly rated home warranty firms offer robust coverage at fair prices.

Rahway's wet, cool weather strains HVAC systems and roofs, so we recommend a home warranty to protect yourself from unforeseen breakdown repair costs. The providers we recommend provide strong coverage options and even a few added perks.

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 Rahway

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

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 lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.

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

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary 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

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

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 Rahway

The average cost of a home warranty in Rahway is on par with the national average, ranging from $40.91 to $77.05 per month. If you prefer to pay an annual premium, expect to pay between $563.62 and $927.43 per year. To calculate national averages, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

With a home warranty, you'll have extra coverage for major systems and home appliances. However, it's not a substitute for homeowners insurance, and there are some exclusions to coverage. Below, we'll discuss what's generally covered and what's not.

What are the typical items covered under a home warranty?

Refrigerators
Built-in microwaves
Cooktops
Dishwashers
Washing machines
Clothes dryers

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

Central vacuum
Electrical
HVAC
Water heater
Plumbing

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, or things 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 normal wear and tear. For example, if your air conditioner malfunctions due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance. Additionally, home warranties won't cover rust or corrosion damage, improper system or appliance installation, cosmetic damage, preexisting conditions, acts of nature and hazardous waste.

Questions to ask home warranty providers in Rahway

Ask each home warranty provider these questions before you purchase a plan.

What items are covered by my policy?

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. Also, many home warranty companies offer optional coverage, such as for central vacuum or roof leaks. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Generally, a home warranty plan lasts for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies require a 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?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If there are no in-network contractors near you, the warranty company may 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 claim approval and denial. Home warranty providers typically accept claims via an online portal or a 24/7 claims hotline. Typical response times are within 24 to 48 hours of filing, though there may be processing delays if you file outside normal business hours. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will set up an appointment to diagnose the problem, and then seek final authorization from the warranty company for any required repair work.

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 will handle the transfer for free, while others levy a transfer fee. Some home warranty companies also offer special coverage plans that are easily transferred to prospective buyers. Home sellers buy these home warranty plans to increase their home's appeal.

Home warranty contract fine print

Before committing to a home warranty, we strongly recommend reviewing a sample contract. Learning more about the company's terms and conditions will help you make an informed decision. It'll also help you be a better advocate for yourself if you need to file a claim. Look for these key terms and clauses in your research:

Workmanship guarantee: Workmanship guarantees temporarily protect you from additional service call fees if an in-network technician failed to completely fix a covered issue. Most guarantees are 30 days long, though some companies offer longer periods.
Cancellation: Companies generally specify how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Coverage limit: Each home warranty has a coverage limit that limits the total dollar amount that the company will pay per claim. There might also be an annual coverage limit or other stipulations.
Service call fee: Whenever you file a claim, the warranty company or repair provider will levy a service call fee between $75 and $125.
Exclusions: Home warranties have both general exclusions and ones specific to components. Even if an appliance or system is generally covered, your warranty might not cover some specific parts if they become damaged. Read your sample contract carefully to be aware of what is not covered.

Facts about Rahway

Average High in July

83°F

Rahway

83°F

National Average

Average Low in January

24°F

Rahway

17°F

National Average

Average Daily Sunlight

63%

Rahway

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 Rahway, New Jersey

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