6 Best Home Warranty Companies In Jersey City, NJ
With our guide on the top home warranty providers in Jersey City, getting the best one for your home will be a breeze.
Owning a home in Jersey City can be costly. As a homeowner in Jersey City, you will unexpectedly have issues coming up with your home systems and appliances that you'll have to handle, and these can be pricey.
Compare the Best Home Warranty Companies in Jersey City
Jersey City has access to dozens of home warranty plans. At Review Home Warranties, we took a look at all these plans and compared things such as BBB ratings, time on the market, coverage options, monthly costs, and more to help you decide. Here's how the top ones in the Jersey City area rank.
| Company Name | Choice Home Warranty | Liberty Home Guard | American Home Shield | |||
|---|---|---|---|---|---|---|
| Number of Plan Options | 2 | 3 | 3 | |||
| Monthly Plan Cost | $45.00 - $53.33 | $69.99 - $79.99 | $29.27 - $74.27 | |||
| Better Business Bureau Rating | B | A | B | |||
| Reviews | Reviews | Read Choice Home Warranty Reviews | Reviews | Read Liberty Home Guard Reviews | Reviews | Read American Home Shield Reviews |
Home Warranty Companies In Jersey City
- Choice Home Warranty: Best Overall
- Liberty Home Guard: Most Trustworthy
- American Home Shield: Most Customizable
- Select Home Warranty: Most Cost-Effective
- First Premier Home Warranty: Best Coverage
- Cinch Home Services: Best Workmanship Guarantee
Jersey City's Top Home Warranty Companies'
- Pros:
- Over 10 years of experience
- 24/7 customer service team
- Home inspections aren’t required
- 90-day repair guarantee
Choice Home Warranty is the best option for homeowners who'd like the best overall in Jersey City. Choice has 2 simple plans, making the selection process quick and easy. The Basic Plan and Total Plan are the options the company has, and it also offers add-ons.
Service fees from Choice are $85. The coverage caps are also generally about $3,000 for most systems and appliances. Plus, Choice offers high coverage caps and a contract that's easy to understand.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Basic Plan | $45.00 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater. Basic Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Basic Plan Add On |
| Total Plan | $53.33 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator. Total Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Total Plan Add On |
- Pros:
- Very highly rated among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Extensive list of 20+ add-on coverages
- Easy claims process
Liberty Home Guard is the best option for homeowners who'd like the most trustworthy in Jersey City. The 3 plans from Liberty are easy to understand and offer both system and appliance coverage. Homeowners can choose between Liberty Home Guard's Appliance Guard, Systems Guard, and Total Home Guard and also add-on options.
The coverage caps associated with Liberty's plans are close to the $3,000 mark for many major systems and appliances, and service fees are $75. Plus, Liberty has guaranteed professionalism for every repair and some of the best customer service in the industry.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliance Guard | $69.99 | $75.00 | View Items Covered Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer. Appliance Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Appliance Guard Add On |
| Systems Guard | $74.99 | $75.00 | View Items Covered Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater. Systems Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Systems Guard Add On |
| Total Home Guard | $79.99 | $75.00 | View Items Covered Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater. Total Home Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Total Home Guard Add On |
- Pros:
- The oldest and most trusted company in the industry
- Allows customers to build their own plans
- Ability to choose the service fee you want to pay
- Broad coverage on up to 33 appliances and systems
American Home Shield is a great option for homeowners who want the most customizable in Jersey City. The 3 policies that AHS offers include options for appliance and system coverage. The home warranty plans from American Home Shield include ShieldSilver, ShieldGold, and ShieldPlatinum.
AHS's service fees range from $70 to $125, and the coverage caps come out to about $2,500 for each system or appliance. When you buy a policy from AHS, you will get a customizable plan and a low claim denial rate.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| ShieldSilver | $29.27 - $44.27 | $75.00 - $125.00 | View Items Covered Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan. ShieldSilver Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldSilver Add On |
| ShieldGold | $39.27 - $54.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan. ShieldGold Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldGold Add On |
| ShieldPlatinum | $59.27 - $74.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan. ShieldPlatinum Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldPlatinum Add On |
- Pros:
- Low service fees compared to other home warranty providers
- Two months of free coverage
- Has an appliance-only, systems-only, and combo plan option
- 90-day repair guarantee
In Jersey City, Select Home Warranty is the most cost-effective home warranty option. Select has 3 simple plans, making the selection process quick and easy. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the names of the company's plans, and it also offers add-ons.
The coverage limits from Select are about $2,000. The service fees are $80, which is pretty affordable. Select has established itself as a provider with an affordable service fee and free roof coverage.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Bronze Care Plan | $57.67 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer. Bronze Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Bronze Care Plan Add On |
| Gold Care Plan | $57.67 | $60.00 | View Items Covered Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater. Gold Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Gold Care Plan Add On |
| Platinum Care Plan | $62.08 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages. Platinum Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Platinum Care Plan Add On |
- Pros:
- Lower chance of claim denial
- Multiple optional coverage items
- 24/7 service calls
First Premier Home Warranty is the best coverage home warranty in Jersey City. The 2 home warranty plans that FPHW has include options for appliance and system coverage. First Premier Home Warranty's plans are Premier Plan and Platinum Plan.
FPHW has coverage caps of around $1,500 for most systems and appliances, but some plans may have different coverage caps, so it's important to check with the provider. Service fees are $75. Additionally, FPHW offers a quality customer service team and coverage for your appliances and home systems at affordable prices.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Premier Plan | $35.00 | $75.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door, Microwave, Oven, Plumbing system, Plumbing stoppages, Sump pump, Trash compactor, Water heater. Premier Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Premier Plan Add On |
| Platinum Plan | $43.00 | $75.00 | View Items Covered Air conditioning, Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door opener, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Sump pump, Trash compactor, Washer, Water heater. Platinum Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Platinum Plan Add On |
- Pros:
- Offers home insurance deductible of $500
- Extra long 180-day workmanship guarantee
- Offers free cancellation in the first 30 days
For homeowners who need the best workmanship guarantee in Jersey City, Cinch Home Services is the best choice. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
The coverage caps for Cinch's plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees range from $75 to $150. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee and a wide range of coverage options.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliances Plan | $34.99 - $50.99 | $75.00 - $150.00 | View Items Covered Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer. Appliances Plan Included Item | View Add-on Items Pool, Septic, Well pump. Appliances Plan Add On |
| Built-in Systems Plan | $39.99 - $57.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan. Built-in Systems Plan Included Item | View Add-on Items Pool, Septic, Well pump. Built-in Systems Plan Add On |
| Complete Home Plan | $49.99 - $67.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan. Complete Home Plan Included Item | View Add-on Items Pool, Septic, Well pump. Complete Home Plan Add On |
What does a Home Warranty Cover in Jersey City?
A home warranty plan in Jersey City is there to help when your systems and appliances fail because of normal wear and tear. When you experience a problem with a home system or appliance that has to be repaired or replaced because of normal wear and tear, the home warranty will help you pay for it. Each individual covered appliance or system in your policy will have its own details about the coverage.
The following are the systems that are often covered under a home warranty:
- Water heater
- Electrical system
- Plumbing system including stoppages
- HVAC (heating and air conditioning)
- Garbage disposal
- HVAC ductwork
- Ceiling and exhaust fans
And the common appliances covered include:
- Cooktop
- Clothes Dryer
- Oven / Range / Stove
- Built-in Microwave
- Clothes Washer
- Dishwasher
- Refrigerator
Cost of a Home Warranty in Jersey City?
Having an idea of the average costs before doing your shopping can help ensure you're getting the best deal on the home warranty you choose. The size of your home, as well as the coverage, service fee, and add-ons you get all influence the price.
Premiums can be from $30 to $80 per month and service fees can be between $60 and $150 per visit. How much it'll cost exactly is based on the plan's coverage. Choosing add-on coverage will also bring the price up. When shopping for a home warranty, keeping these averages in mind can help you get the right plan for your budget.
Is a Home Warranty Worth It in Jersey City?
You may want to purchase a home warranty for personal reasons. Maybe you have some old systems and appliances that you're worried about when it comes to breakdowns. Whatever the reason, it's good to understand the pros and cons of the home warranty. Here are some of the benefits:
- Workmanship guarantee--After receiving a repair, if the problem comes back within the guarantee period, the home warranty will step in once again to help. The guarantee period is generally between 30 and 90 days.
- Quality contractors--There are many challenges that come with an appliance or system breaking down, and one of them is getting a contractor. Your home warranty can deal with this for you, which takes that off your plate.
- Fast response times--It can be hard to get a technician you found yourself to promise you a quick response. A home warranty provider generally guarantees service within a specific period of time, letting homeowners get the repair done quickly and move on.
- Peace of mind--Having a home warranty in place means that you can have peace of mind about the costs of repairs. With a home warranty, you can rest assured that the fix is just going to be a service fee, which can help bring down your homeowner worries.
The potential disadvantages of a home warranty are also important to know about. Here are a few of them:
- Coverage cap--The coverage caps may be a downside for some because the home warranty will only cover repairs and replacements below a certain amount.
- Waiting period--Coverage for a home warranty typically only kicks in 30 days after buying the policy.
The average cost of a drain pipe is around $560, so a home warranty can save you from having to pay all of that money upfront when an issue arises.
FAQ's for Home Warranties in Jersey City
What's the best home warranty company in Jersey City?
The top home warranty company in Jersey City is Choice Home Warranty. Choice Home Warranty offers good customer service and an expansive network of professional technicians in the area.
What's the purpose of a home warranty?
A home warranty is a contract that covers the repairs and replacements of your major home system components and appliances if they fail unexpectedly.
How do you use a home warranty?
After you get a home warranty policy and an appliance or system breaks down, you need to file a claim. The home warranty company will send a technician to your home to assess the situation and repair the problem. Then, you pay a service fee and the home warranty will cover the rest of the cost, as long as it is under the coverage cap.
Should I get a home warranty?
A home warranty plan can help investors, home buyers, homeowners, home sellers, and real estate agents. It can offer peace of mind to anyone that is involved with homeownership.
Our Rating Methodology
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what we value in our review process:
- Plan options: Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics: The more items covered in a home warranty plan, the higher the score.
- Pricing: We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability: Finding coverage in your state can be a challenge if home warranty companies aren't located there. The more states covered, the higher the score.
- Customer service: Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits: Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
Of the 50 different companies that we've reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.