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Best Home Warranty in Jersey City, NJ

Jersey City, New Jersey offers homeowners quick access to New York City, an impressive housing market, great jobs, and four distinct seasons. Living in Jersey City can be a dream come true for many homeowners. However, there are still issues that will come up with home systems and appliances that will take away some of the joys of homeownership., In our guide featuring the top 7 best home warranty companies in Jersey City, we will cover . . . 

  • Who needs a Jersey City home warranty? 
  • Why a home warranty in Jersey City is so important
  • The best home warranty companies in Jersey City
  • How much a New Jersey home warranty costs 
  • And much more . . .

A home warranty is a protection plan that keeps the expense of repairing and replacing appliances and systems to a minimum. Keeping a home up and running on a daily basis can be quite a bit of work. With a New Jersey home warranty in place, you will have a partner making this much easier for you. Finding the best home warranty in Jersey City can be time-consuming. Let’s take a look at the top seven home warranty companies in Jersey City. 

Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

The 7 Best Home Warranty Companies in Jersey City

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

Our highest-rated home warranty companies in Jersey City include:

Compare Jersey City Home Warranty Providers

In the Jersey City area, there are more than 60 home warranty companies to choose from. Each of these companies has its own unique coverage and benefits. At Review Home Warranties, we have analyzed and compared each of these home warranty plans to come up with the best options for a Jersey City homeowner. We looked at things like coverage caps, service fees, BBB ratings, and more. Here is how the top seven home warranty plans in Jersey City ranked.

Provider

Visit Site

Best For

Monthly Cost

Service Fee

BBB Rating

Choice Home Warranty

Site

Best Overall

$40 – $48

$85

B-

American Home Shield

Site

Most Customizable

$50 – $60

$75 – $150

B

Select Home Warranty

Site

Most Affordable

$36 – $38

$60

B

Liberty Home Guard

Site

Best Reviewed

$40 – $60

$60

A

Cinch Home Services

Site

Best Workmanship

$28 – $40

$100 – $150

A-

First Premier Home Warranty

Site

Best Coverage

$45

$75

B-

ServicePlus Home Warranty

Site

Best Emergency Service

$41 – $45

$75 – $125

A

Jersey City Home Warranty Costs 

The cost of a Jersey City home warranty is a major reason that homeowners will pick a plan. If your home warranty plan has excellent coverage but it doesn’t fit in your monthly budget, it certainly won’t help you much. We have done in-depth research to help you understand the average cost of a Jersey City home warranty. These costs will change based on the coverage you choose and the type of home you have. Keep the costs in mind as you pick your home warranty plan. 

Type

Average Annual Premium

Overall

$774.54

Single Family Home

$638.07

Multi-Family

$1,162.53

Townhome

$533.05

Condo

$645.50

Duplex

$968.90

Home Over 5,000 sq ft

$1,294.73

Home Under 5,000 sq ft

$711.44

Jersey City Home Warranty Company Reviews

As you read through the reviews of the best home warranty companies Jersey City has to offer, make sure to pay close attention to the coverage. Coverage is the most important factor of a plan. The coverage must adequately protect the systems and appliances you are most worried about. Some basic plans will have HVAC on them, and some will only put it in their premium plan options. Take a walk around your Jersey City home and see which of the coverages are most important. 

1. Choice Home Warranty: Best Overall 

Choice Home Warranty is the best overall home warranty in Jersey City. If you own a home or serve as a landlord or property manager in Jersey City, Choice Home Warranty has a lot to offer. They are known for a lower rate of claim denial than the industry average. When you contact a service provider with a claim, you want them to honor that commitment. With Choice, your chances are higher.

One of the most important aspects of Choice Home Warranty coverage is its coverage limits. At $3,000 for covered items from your air conditioner to appliances, they really stand out. That can go a long way when things break down. While Choice does not have the most comprehensive coverage, they cover the majority and the most expensive system and appliances in your home with superior service and coverage limits.

Pros

Cons

  • Comprehensive coverage options 
  • Easy to understand service contract
  • Low pricing
  • Fair service fees 
  • Great customer service
  • Only two plans to choose from 
  • No custom plan options 

Plans and Pricing

There are only two plans from Choice Home Warranty, but they are both comprehensive plans with system and appliance coverage. The Total Plan has the best options for Jersey City homeowners, with both HVAC and refrigerator coverage included. 

Plan

Cost Per Month

Service Fee

Basic Plan

$42

$85

Total Plan

$50

$85

Coverage:

One of the greatest benefits of the Choice Home Warranty plan is the fact that the coverage cap is $3000. If your home has high-end systems and appliances, this plan will give you plenty of coverage for those expensive repairs and replacements. 

Customer Reviews:

The best pricing today and the opportunity to save going forwards. The chance to not be “stuck” if I change my mind or find I don’t wish to continue for 3.5 years. But the value was unparalleled, and the service is top-notch.” Source

2. American Home Shield: Most Customizable 

The American Home Shield is the most customizable home warranty in Jersey City. If you are a homeowner looking for comprehensive coverage, AHS is a solid choice. Their Platinum Coverage is extensive. The cost is $10 less per month, compared to a comparable plan from Liberty. 

AHS is a leader when it comes to workmanship and contractor professionalism, according to the home warranty reviews we’ve examined from all over the internet. What’s more, they are the only company among our top five to offer “choose your own service fee.” This means that in exchange for a higher service fee–of either $100 or $125–you will get a lower monthly premium. That’s a pretty good deal! They are a market veteran with years of experience, having been established in 1971.

Pros

Cons

  • Customization of plan options
  • Can choose a pricing/service fee that works for your budget
  • More than 50 years of experience
  • High coverage caps
  • Large network of contractors 
  • Pricing of the plan tends to be a little higher than other home warranties 

Plans and Pricing

The three American Home Shield home warranty plans are just base options that can be further customized to reach the needs of home warranty customers. With the American Home Shield, home warranty customers can also change the service fee to work for their budget. 

Plan

Cost Per Month

Service Fee

Silver Plan

$45

$75 – $125

Gold Plan

$55

$75 – $125

Platinum Plan

$79

$75 – $125

Coverage:

The coverage from American Home Shield is some of the best in the industry. Homeowners that have high-end systems and appliances will appreciate the $2500 coverage caps that are associated with this plan. 

Customer Reviews:

American Home Shield is the best annual investment we make to assure the value of our home continues to rise. The service for the covered items is simple to secure either by the website or by phone. The service fee is a value not common in today’s market for skilled professionals. The vendors who are contracted by American Home Shield are extremely skilled in their respective crafts, professional, and efficient. American Home Shield is the best professional services for our money.Source

3. Select Home Warranty: Most Affordable 

The Select Home Warranty is the most affordable home warranty for Jersey City homeowners. Good coverage at a good price is what you will get with Select Home Warranty. This might be a good option for a rental property in Jersey City. They are headquartered in nearby Mahwah, so if you’d like to work with a home-state company, they are a great pick.

One unique feature of Select is the fact that they offer a $0 transfer fee. So if you purchase another property in Jersey City and want to cover that one instead, you can do that at no cost. They do have the lowest coverage limits at $2,000 and the highest cancellation fee of $75. With nine years in the home warranty industry, Select Home Warranty brings experience and high-quality workmanship to the table. 

Pros

Cons

  • Clear and concise plan options
  • High workmanship quality
  • Free roof leak coverage with plan 
  • Affordable home warranty plan 
  • Coverage caps tend to be slightly lower 

Plans and Pricing

There are three Select Home Warranty plans to choose from; the Platinum Care plan is the best overall option because of the pricing and coverage it contains. With the Platinum Care plan, you get all of the coverages of the Gold Care and Bronze Care for just a few dollars more per month. 

Plan

Cost Per Month

Service Fee

Gold Care

$41

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Coverage:

Overall the amount of coverage you get with your Select Home Warranty plan is quite good. In addition, they offer customers free roof leak coverage with the Platinum Care plan. The coverage caps are slightly lower, making it a little bit harder for some homeowners with high-end appliances and systems to choose this plan.  

Customer Reviews:

I was skeptical about Select Home Warranty (***) after having such a bad experience with ****** Home Warranty. But, *** came through in a very positive manner. I was very pleased with the turn-around time it took *** to accept my repair request and dispatch a vendor. I had a pleasant experience all the way around from ***’s customer representative to the ******’s customer service and technician.”.”  Source

4. Liberty Home Guard: Best Reviewed 

Liberty Home Guard is the best reviewed home warranty company in Jersey City. Established in 2017, Liberty Home Guard is one of the newest companies on the list. They have continued to climb in our standings over the past few years and are now among our top five providers. Liberty has headquartered just a longish commute away in Brooklyn, NY. They get stellar marks when it comes to good communication. Our research shows mention of good communication in customer reviews at a whopping 36%, compared with the industry average of 7%.

They are newer on the market, and they have the most expensive Combo Plan, but they offer good coverage and an unprecedented A+ rating from the BBB. Their coverage limits are close to our top two picks, with a range of $500 to $2,500.

Pros

Cons

  • Impressive BBB rating
  • Great customer service
  • A long list of add-on coverage options 
  • 60 Day Workmanship guarantee 
  • Newer company with slightly less experience 

Plans and Pricing

There are three Liberty Home Guard home warranties. The Total Home Guard Plan is the most comprehensive plan and has the highest cost per month, yet the service fees associated with the plan are still quite fair. 

Plan

Cost Per Month

Service Fee

Systems Guard

$49.99

$60

Appliance Guard

$44.99

$60

Total Home Guard

$54.99

$60

Coverage:

The coverage from Liberty Home Guard is quite good, however, coverage caps will be lower than they are with CHW or AHS. The great thing about Liberty Home Guard is the extensive list of coverage options to help ensure your unique home features are covered. If you have something like a central vacuum or a second refrigerator Liberty Home Guard has plenty of options for you. 

Customer Reviews:

Liberty Home Guard offers excellent coverage that is definitely worth the investment. I recommend them if you own a home. Their customer service is exceptional, and the technicians who show up are professional and knowledgeable. Super happy with them.” Source

5. ServicePlus Home Warranty: Best Emergency Service 

ServicePlus Home Warranty has the best emergency service in Jersey City. With great coverage and incentives that are hard to beat – right now they are offering $200 off plus two months free – ServicePlus provides a basic plan and a comprehensive plan. Their comprehensive Platinum Plan covers 20 appliances and systems, including sump pumps, whirlpool bathtubs, and trash compactors, which are a bit less common coverage than other items.

ServicePlus gets a 4-star rating on Google Reviews. They score well above the industry average in areas like the speed of work, contractor professionalism, and good communication.ServicePlus does have lower coverage limits than our other top five, at $400 -$500 payout per covered item per year.

Pros

Cons

  • Very fast response times
  • Strong workmanship quality 
  • An extensive network of technicians
  • Fairly priced plan choices 
  • Some emergency services have an upcharge 

Plans and Pricing

The two plans from ServicePlus home warranty are very reasonably priced for the amount of coverage they offer. The service fees are also considered to be below the industry average. 

Plan

Cost Per Month

Service Fee

Gold Plan

$42

$75

Platinum Plan

$46

$75

Coverage:

Coverage from ServicePlus is more about the speed that you can get a repair completed than the high coverage caps or limits. In fact, if you have high-end appliances or systems, the lower coverage caps of ServicePlus may have you paying out of pocket. For a quick and professional repair, that extra cost may be worth it. 

Customer Reviews:

My air conditioner broke on Thursday, and I filed a claim with ServicePlus the same day; the next day, a technician arrived at my home and fixed the problem on the spot. Reasonable prices, excellent customer service, and fast responses to claims. I am pleased with the services provided by this company.” Source

6. First Premier Home Warranty: Best Coverage 

The First Premier Home Warranty offers the best coverage in Jersey City. With the First Premier home warranty, customers are going to get close to twenty covered items with the premium plan. This kind of coverage is hard to find, with many plans only having 12 or 14 covered items in their premium options. If you are a homeowner having a hard time deciding which coverages you need, this home warranty will help you get a great mix of both system and appliance coverage. 

With the First Premier Home Warranty, customers will get very fast response times and fairly priced policies. This company has only been on the market for a year and they are already highly rated with the BBB. If you want a younger company eager to earn your business, First Premier is a perfect option to consider. 

Pros

Cons

  • New company eager to earn business
  • Impressive BBB rating for a new home warranty brand 
  • Fairly priced policies 
  • Easy to submit claims and requests
  • Quick response times 
  • Have not been on the market for long 

Plans and Pricing

There are two First Premier home warranty plans on the market. The number of covered items that these plans feature is greater than most on the market. Service fees are also very reasonably priced. 

Plan

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

Coverage:

The great thing about the First Premier home warranty is that there are lots of covered items. However, each of these covered items does not have a very high coverage cap. This is more like a blanket-type policy covering everything in your home with just a bit of coverage. 

Customer Reviews:

I called on the memorial weekend to request service, and First Premier had someone out the very next day. They approved me for a new ac unit in my home. I will definitely be telling my family about you guys.”Source

7. Cinch Home Services: Best Workmanship

The Cinch Home Services offers the best workmanship in Jersey City. With the Cinch Home Services home warranty, homeowners will get more than 40 years of industry experience. The Cinch Home Services plans are one of the original options in Jersey City, and they have proven to be quite effective in helping homeowners with their warranty-related issues. 

With Cinch Home Services, you will get a 180-day workmanship guarantee, one of the longest in the industry. With a workmanship guarantee this long, you will not have to worry about paying a service fee twice for the same issue. Cinch Home Service is very concerned with preventative maintenance. They give homeowners a credit towards their AC filters each year. 

Pros

Cons

  • 180-day workmanship guarantee
  • Great customer service
  • More than 40 years in the industry 
  • Extensive coverage options 
  • Service fees are higher 

Plans and Pricing

The three Cinch Home Services home warranties all offer great coverage for homeowners. The service fee is customizable so that you can find a plan that works for your specific budget. Most New Jersey homeowners find the Complete Home Plan to have the best coverage for their needs. 

Plan

Cost Per Month

Service Fee

Appliances Plan

$44.99

$100 – $150

Built-In Systems Plan

$51.99

$100 – $150

Complete Home Plan

$61.99

$100 – $150

Coverage:

The coverage from Cinch Home Services is quite good. There is a wide range of covered appliances and systems, and coverage caps are slightly higher than average. If you are looking for an all-around excellent policy, Cinch has what you need. The only downside is the higher service fees. 

Customer Reviews:

Absolutely love my Total Protect Warranty. Well worth it as over the course of years I’ve had it, I’ve needed a new refrigerator, a new hot water heater/ tank, and maintenance items such as fixing broken washing machines, etc. All covered by just passing a one- time deductible. Awesome!. Source

What Does a Home Warranty Cover in Jersey City

Now that you are well versed in the best home warranty companies in Jersey City, it’s a good idea to understand exactly what these plans cover. Homeowners need to understand that the coverage of a home warranty is for everyday wear and tear of systems and appliances. Home warranties are much different than homeowners insurance plans. With a home warranty, you will get coverage for the items that you use to enjoy your home each and every day. 

With a home warranty, there is no protection for preexisting issues or items around the home that break as a result of a lack of maintenance. If you are not maintaining your home systems and appliances, like the plumbing, septic systems or furnace, the home warranty company won’t do it for you. In addition, intentional breakages, human error, and natural disasters are not part of the plan. 

Having a home warranty in place means you will have a much lower chance of paying a high out-of-pocket expense for a home-related issue or breakage. However, you still need to maintain your home to the best of your ability. Most New Jersey homeowners find that a combo or comprehensive home warranty plan is the best option for their needs. 

Here are the common systems covered under a Jersey City home warranty plan:

  • HVAC (heating and air conditioning) 
  • HVAC ductwork
  • Ceiling and exhaust fans
  • Plumbing system including stoppages
  • Electrical system
  • Water heater
  • Garbage disposal

Common appliances covered under Jersey City home warranties include:

  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

Benefits of a Home Warranty in Jersey City

The Jersey City home warranty is a savings plan for homeowners. With a home warranty in place, homeowners can rest assured that the next break or issue that comes up will only cost them the price of their service fee. These cost savings can equal hundreds and even thousands of dollars a year. However, there are other important benefits for Jersey City homeowners to consider, and those include peace of mind, quality contractors, and time savings. 

Peace of Mind

Homeownership in Jersey City, Newark or Paterson can be stressful. The pace of life in Jersey City is fast, and worrying about home systems and appliances breaking down and causing you a headache is a lot to manage. With a home warranty in place,  you are just a phone call away from a repair that is effective and affordable. 

Quality Contractors 

There are plenty of quality contractors in the Jersey City area. However, finding one that will respond to the needs of your home can be a bit tricky. Home warranty companies have relationships in place with some of the best contractors in the industry. These people will respond to your home warranty needs quickly and efficiently. 

Time Savings

There is a time savings factor involved with investing in a home warranty. If you are tired of spending time searching for a contractor or trying to repair or replace systems or appliances on your own, the Jersey City home warranty can help. 

Final Thoughts

We hope that you now feel as though you can purchase a Jersey City home warranty with complete confidence. These great options on the market allow for impressive coverage, fair pricing, and a great overall user experience. The Choice Home Warranty stands out as the best overall option for Jersey City homeowners. With the Choice Home Warranty, you will benefit from more than 13 years of industry experience, impressive coverage, and excellent customer service. With the Choice Home Warranty plan, the service contract is kept simple and straightforward. When shopping for a Jersey City home warranty, try to get more than one quote. These quotes will help ensure you get the most coverage for the money. 

Do you want to know about home warranties in other cities around the U.S.? Check out our articles on Austin, Seattle and Chicago for further reading.

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 our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): 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 (10): 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 (5): 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.

FAQs for Home Warranties in Jersey City, NJ

What Is A Service Fee? 

The service fee is a price homeowners pay before getting their home system or appliance repaired. Many home warranty plans call the service fee the deductible. This fee ranges in price from around $60 to more than $150. With most home warranty plans, the service fee will be the only out-of-pocket expense for homeowners. 

Are New Jersey Home Warranties Worth It? 

New Jersey home warranties are well worth it. With a New Jersey home warranty in place, you can save money and time and enjoy homeownership quite a bit more. A New Jersey home warranty will typically pay for itself after just one or two repairs. 

How Much Is A New Jersey Home Warranty? 

The New Jersey home warranty can range in price from around $500 a year to more than $1000 a year. Many homeowners on a budget have had no trouble finding a home warranty plan to work for their needs. The most important feature of any home warranty plan is coverage. With more covered items, you will end up paying quite a bit more per month. 

Do Home Warranties Cover Replacement Costs? 

Home warranty companies will cover replacement costs as long as the replacement fits within the coverage caps of the home warranty plan. If you need a new HVAC system or dishwasher, the current system will be analyzed and the coverage cap. Chances are you will get a good portion of this appliance or system paid for, but not necessarily the entire thing. Almost all home warranty plans offer a discount towards replacement costs that is well worth taking advantage of.