We may be compensated if you purchase through links on our website. Our Reviews Team is committed to delivering honest, objective, and independent reviews on home products and services. More

Best 6 Home Warranty Companies in Freehold, NJ

  1. Home
  2. Local Pros
  3. Home Warranty
  4. NJ
  5. Freehold
Written By Jessica Hurtault|Last Updated: April 18, 2024

Many homeowners in New Jersey depend on their air conditioning to stay cool in the summer, and on appliances such as 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 Freehold, New Jersey.

Best Customer Ratings
4.5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best for Comprehensive Coverage
4.4
  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
Best Value
4.3
  • 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

6 Best Home Warranty Companies in Freehold

Best for Comprehensive Coverage

American Home Shield

Pros

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

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options
Plan Name ShieldSilver
Monthly Cost $29.99 – $39.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Doorbell, Ductwork, Electrical, Faucets and Valves, Garage door, Heating system, Main breaker fuse box, Plumbing, Plumbing stoppages, Rekey services, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldGold
Monthly Cost $49.99 – $59.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Refrigerator, Rekey services, Range, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldPlatinum
Monthly Cost $79.99 – $89.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Range, Refrigerator, Rekey services, Roof-leak, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Spa, Septic pump, Well pump

52 Years in BusinessBBB Rating: B
Best Customer Ratings

Liberty Home Guard

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

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions
Plan Name Appliance Guard
Monthly Cost $49.99
Service Fee $65.00 - $125.00
Items Covered

Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Range, Refrigerator, Washer

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

Plan Name Systems Guard
Monthly Cost $54.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

Plan Name Total Home Guard
Monthly Cost $59.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Toilet, Washer, Water heater

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

6 Years in BusinessBBB Rating: A+
Best Value

Select Home Warranty

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
Plan Name Bronze Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Cooktop, Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Stove, Washer

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Care Plan
Monthly Cost $47.75
Service Fee $75.00
Items Covered

Air conditioner, Cooktop, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Stove, Washer, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

11 Years in BusinessBBB Rating: B-
Best for Customization

AFC Home Warranty

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
Plan Name Silver Plan
Monthly Cost $42.17 – $47.00
Service Fee $75.00 - $125.00
Items Covered

Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Garage door opener, Kitchen refrigerator, Oven, Range, Stove

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Systems Plan
Monthly Cost $49.42 – $54.25
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Plan
Monthly Cost $56.67 – $61.05
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Garbage disposal, Garage door opener, Heating system, Kitchen refrigerator, Oven, Plumbing, Range, Stove, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Plan
Monthly Cost $61.05 – $66.33
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Attic fan, Built-in microwave, Ceiling fan, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Exhaust fan, Faucets, Garbage disposal, Garage door opener, Heating system, Ice maker, Kitchen refrigerator, Oven, Plumbing, Plumbing stoppages, Range, Stove, Water heater

Add-on Items

Central vacuum, Double oven, Electonics coverage, Hot water dispenser, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

14 Years in BusinessBBB Rating: B
Best Appliance Coverage

First American Home Warranty

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

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers
Plan Name Starter Plan
Monthly Cost $47.00 – $67.00
Service Fee $75.00 - $125.00
Items Covered

Built-in microwave, Dishwasher, Ductwork, Electrical system, Heating system, Kitchen range hood, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Toilet tanks/bowls/mechanisms

Add-on Items

Additional refrigeration, Central air conditioning, First American Advantage, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

Plan Name Essential Plan
Monthly Cost $52.00 – $72.00
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Built-in microwave, Ceiling/attic/exhaust fans, Clothes washer, Clothes dryer, Dishwasher, Ductwork, Electrical system, First American Advantage, Garage door opener, Heating system, Kitchen range hood, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Toilet tanks/bowls/mechanisms, Trash compactor, Water heater

Add-on Items

Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

Plan Name Premium Plan
Monthly Cost $67.00 – $87.00
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Built-in microwave, Ceiling/attic/exhaust fans, Central vacuum system, Clothes washer, Clothes dryer, Dishwasher, Ductwork, Electrical system, Faucets, First American Advantage, Full garage door system, Garbage disposal, Heating system, Instant hot water dispenser, Kitchen range hood, Luxury appliance coverage, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Shower head/shower arm, Toilet tanks/bowls/mechanisms, Trash compactor, Water heater, Window AC unit

Add-on Items

Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

39 Years in BusinessBBB Rating: B
Cheapest Appliances Plan

2-10 Home Buyers Warranty

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
Plan Name Simply HVAC
Monthly Cost $39.70 – $50.20
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Heat pumps, Heating system, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Simply Kitchen
Monthly Cost $22.00 – $31.00
Service Fee $65.00 - $100.00
Items Covered

Built-in microwaves, Cooktops, Dishwashers, Ovens, Ranges, Refrigerators

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Essential Home
Monthly Cost $51.37 – $61.81
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Cooktops, Dishwashers, Heat pumps, Heating system, Ovens, Ranges, Refrigerators, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Complete Home
Monthly Cost $51.00 – $60.00
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Cooktops, Dishwashers, Electrical, Heat pumps, Heating system, Ovens, Plumbing, Ranges, Refrigerators, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Pinnacle Home
Monthly Cost $71.00 – $80.00
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Clothes Dryer, Clothes Washer, Cooktops, Dishwashers, Electrical, Heat pumps, Heating system, Ovens, Plumbing, Ranges, Refrigerators, Supreme Package, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Water softener, Well pump

39 Years in BusinessBBB 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 Freehold
Average Max Temp:60°F
Average Min Temp:46°F
Average Annual Snowfall:25.2"
Homeownership Rate:74%
Median Home Size:2384 sqft
Median Home Price:$521,827

Expert Tips By

This Old House empowers homeowners with the knowledge and tools they need to tackle various projects and navigate the complexities of homeownership.

Are Home Warranties Worth It for Freehold Residents?

Yes, home warranties are worthwhile for Freehold residents. Summers in Freehold 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.

Freehold winters can be fairly mild, but there are still times when you want to have a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Freehold's heavy rain can cause damage to your roof.

Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs.

Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when selecting your home warranty plan.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 monthly. You'll also pay a service call fee each time you file a claim. These fees can range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.

Coverage

Figure out which systems and appliances you use most often. You'll want a home warranty plan that covers these items. Most home warranties can be tailored to your needs, and many companies offer systems-only plans for homeowners that only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. Here is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, consider a provider's coverage limits. A provider with higher coverage caps may be a better choice if you own older systems or appliances. However, our research shows that companies with higher coverage caps usually charge higher premiums.

Exclusions

Usually, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance are also not covered. Your provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.

Provider Reputation

Provider reputation is another important factor to consider. You can read real customer reviews on sites like Google Reviews, Best Company, and Trustpilot 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 network of service providers. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. If you can, use a provider that mentions contractors you're familiar with. Rural homeowners might consider choosing a home warranty provider that lets customers choose their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.

Frequently Asked Questions About Home Warranty in Freehold

Do I need a home warranty in Freehold?

No, Freehold does not require home warranties. However, we still recommend purchasing a home warranty to help you maintain a budget for covering expensive system and appliance breakdowns. Home warranty providers also save you time by sourcing reputable technicians themselves.

What are preexisting conditions?

Preexisting conditions are breakdowns or issues experienced by a home appliance or system before warranty coverage starts. Providers normally don't cover preexisting conditions. Make sure you purchase a home warranty policy while all your systems and appliances are still in working order to ensure complete protection.

What is the best home warranty provider in Freehold?

The best home warranty in Freehold depends on your specific needs. Liberty Home Guard is an excellent choice if you require unique coverage. Consider American Home Shield if you're looking for comprehensive coverage limits.

Can I get a home warranty that covers other types of home items?

Yes, home warranties cover many home items other than common systems and appliances. For example, home warranties cover septic systems, pools and spas, stand-alone freezers, sump pumps, well pumps, and more. Providers generally cover these items as add-ons. Check with a company representative to see what add-ons are available.

Why is there a waiting period before my home warranty coverage begins?

Most home warranty companies have a 30-day waiting period before coverage begins. This is to ensure any system and appliance breakdowns are the result of normal wear and tear rather than preexisting conditions. Home warranty providers won't cover an already broken item.

How do I file a claim with my home warranty provider?

The general process for resolving claims is easy. When an appliance or system has an issue, check your home warranty contract to ensure the item is covered. You can then reach out to the provider to file a claim. You can call or use the provider's online portal. You pay the service fee, and your provider sends a qualified contractor to your home to assess and repair the issue.

How can I maximize the value of my home warranty?

Freehold homeowners can ensure home warranty coverage by taking proper care of their systems and appliances. It may also be useful to track how old they are. Since home warranties only cover normal wear and tear, you'll likely get more out of a home warranty for older appliances.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

More Home Warranty Resources

Sources