Top Best Home Warranty Companies In New Jersey Review

Looking for the perfect home warranty coverage plan for your home in New Jersey?

Great, you’re in the right spot. In this review you will learn:

  • What is a home warranty for a New Jersey resident?
  • How do you select a coverage plan in NJ that is right for you and your home?
  • Which provider is best for you?
  • And much more!

We’ve collected information on the best home warranty companies in NJ by comparing 68+ providers against industry standards and are happy to share with you the top 7 performing companies in NJ. Check out our chart below for the top home warranty companies and continue reading to learn about plan options from each provider.

Editor's Choice

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Best Overall

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

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Home Warranty Companies in New Jersey

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $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 97.0
  • 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 96.5
  • $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 Liberty Home Guard
Editorial Rating 96.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • 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

Disclosure: has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Why do you need a home warranty in NJ?

If you own your house, townhouse, or condo in New Jersey, you probably know what a pain it can be if any of your home systems or kitchen appliances break down. In order to fix them, you need to find a trustworthy repair company. That means calling several of them, comparing their prices, and making sure they are certified and insured, and so on.

A home warranty contractor

Any home warranty company in NJ will do that for you. They find contractors, verify their credentials, and then take responsibility for any malfunction that happens to any of the household items that they cover. Read our reviews to find out more about how each company operates.

In other words, a home warranty in NJ will save you a lot of time, and in many cases, money and of course, give you some peace of mind.  All you need to pay is a yearly or monthly fee per contract and a service fee per call. You can select to cover as little as the basic plan or as much as the premier plan plus multiple optional items.

Which home warranty plan would work best for you?

All home warranty companies in NJ offer a variety of plans for their customers. It is not always easy to decide which one would work best for you, so let us help you choose.

Home warranty plans for beginners

If you are a first-time buyer and are not sure how a home warranty works or whether it is good for you, the best decision would be to go with the basic plan. While most real estate agents purchase a home warranty for their buyers, it might not always be the case.

You will always have an opportunity to switch to a more comprehensive plan or add items from the optional coverage list available in any company.

New homeowners buying a home covered under a home warranty

In our Best Home Warranty Plans section, you will be able to find the cheapest plan providers. For New Jersey, Service Plus would be a good choice for the basic plan, which is called the Gold Plan.

For only $29 a month, you will be able to get coverage for your plumbing system including stoppages, electrical system, water heater, bathtub, whirlpool, and multiple kitchen appliances including ceiling and exhaust fans.

Many new homeowners prefer to switch to a more comprehensive plan once their basic plan expires.

Want to know more about coverage plans for your water heater? Click here!

Home warranty plans for experienced homeowners

For more seasoned homeowners, there are multiple options for home warranty coverage. The same companies that offer basic plans often have more comprehensive premier plans that cover more home systems and appliances compared to the basic plans.

One of the cheapest premier plans in the industry is offered by America’s First Choice Home Club. It includes coverage for all major home systems, washers and dryers, and a wide range of kitchen appliances.

Are you a homeowner of a rental property? If so, check out this article on investment property home warranty plans.

One of the cheapest premier plans in the industry is offered by America’s First Choice Home Club. It includes coverage for all major home systems, washers and dryers, and a wide range of kitchen appliances.

Are you a homeowner of a rental property? If so, check out this article on investment property home warranty plans.

Best Home Warranties in New Jersey Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).


  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 


  • Only 15 Home Appliances & Systems Covered 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions


  • Most Expensive


Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan


  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.


  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company


  • Must report your issues within one day of noticing a problem

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • You Can Choose Your Own Technicians
  • Roof Coverage


  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Looking for the cheapest home warranty plan? - Read our research

We have analyzed data from more than 20 companies and compare prices for their home warranty plans. See how much you can save when you select the cheapest plan, and how the cheapest plans from different companies compare in coverage.

Find the cheapest home warranty plan - In our research

Prefer to cover systems only? Or appliances only? No problem!

Other options include a systems plan, appliances plan, and combo plan. The systems plan will cover home systems only, such as air conditioning, heating, plumbing, and electrical systems.

Read Also: What Is The Best Protection Plan For Your Plumbing System?

The appliances plan, on the contrary, does not cover any home systems but will cover most of the kitchen and laundry appliances.

The combo plan combines coverage for both home systems and appliances, similar to the premier plan described above.

What must be included in your plan?

Home appliances covered under a home warranty

You know how hot and humid summers in New Jersey can be, so the first thing we recommend to cover under a home warranty is the air conditioning system. Select Home Warranty can help you there. They cover the primary floor unit up to 5-ton capacity including motors, compressors, condensers, and thermostats.

High humidity and nor’easters that can cause flooding and blizzards in the state may affect and expedite the normal wear and tear of your electrical system and home appliances. Home warranty companies in NJ such as Choice Home Warranty can help you avoid the hassle with repairs and replacements of these important components of your household.

Still in need of convincing if a home warranty is worth it for you? Check out this video below on home system and appliance coverage.

Are home warranties regulated in New Jersey?

According to the New Home Warranty and Builders’ Registration Act, all newly built houses should come with a 10-year home warranty. It should cover all defects of materials, workmanship, and systems in your new home.

In case there is any problem with your current home warranty that cannot be solved by its customer service, you can file a complaint with the New Jersey Division of Consumer Affairs.

Final words about buying a home warranty in NJ

Buying a home warranty in NJ is a good idea for many reasons. First, it may save you money on repairs of your home systems and appliances. Second, it may save you time on searching for contractors.

In case you are a home seller, having a home warranty may help you sell your house faster and at a better price. Homebuyers are less likely to negotiate the price downwards if they do not have to worry about unexpected house repairs.

Read Also: What Are The Best Home Warranty Companies For Home Buyers?

Every home warranty company in New Jersey offers a variety of coverage plans. There are basic plans for new homeowners and more comprehensive plans for experienced homeowners.

There are plans that cover only home systems or home appliances, and there are combo plans that cover them all.

As soon as you decide which parts of your household need coverage, check out our reviews of the best home warranty companies in NJ listed on this page and select the one that best fits your needs.

Nearby States

All states
Home warranty Delaware 36 companies available
Delaware Home Warranty
Home warranty New York 27 companies available
New York Home Warranty
Home warranty Connecticut 32 companies available
Connecticut Home Warranty

Frequently Asked Questions in New Jersey

Below are just some of the frequently asked questions we receive about home warranties in New Jersey.


Is a New Jersey home warranty worth it?

Whether you’re living in East Brunswick or keeping a short-term rental in Cape May, a home warranty can come in handy when things go wrong with major systems or appliances. 

With HVAC repairs that can easily go above $1,000, or a clothes dryer replacement that can cost the same, a home warranty costs around half that and can protect you from the expense of both of those household mishaps. It can really be worth it. 

What are the best home warranty companies in New Jersey?

Our research has led us to sift through data on nearly 70 home warranty companies. The best ones with policies available in New Jersey are these five:

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus

What do home warranties cover?

A home warranty covers specific home appliances and systems from malfunction due to common wear and tear. When a homeowner’s insurance won’t cover something, a home warranty can be your next line of defense.

Most Common Coverage


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


  • HVAC (heating and air conditioning) 
  • Plumbing system
  • Electrical system
  • Water heater

2. What some cover

Some providers will also include coverage for things like HVAC ductwork, ceiling and exhaust fans, and garbage disposals.

Many providers offer optional coverage for items like pools and spas, well and septic pumps, and additional refrigerators or freezers. 

3. What few cover

Some home warranties offer special kinds of coverage or unique optional coverage. For instance, Select Home Warranty offers limited roof leak coverage on all their policies, which not many other companies do. 

How much does a New Jersey home warranty cost?

Of the three main types of plan - Systems Plan, Appliance Plan, and Combo Plan -- the Combo Plan gives you the best value. A Systems or Appliance plan might cost you $10-$15 less per month, but you’ll get twice the coverage for just that little extra with a Combo Plan, making them easily the most popular choice.
Here is what you can expect, on average, to pay in premiums for a combo plan that includes your major appliances and systems. 

Combo Plan

If you make a claim and a service technician comes to your home, you will also pay a service call fee. Typically, these fees run between $75 and $125.

Plans vary depending on the options you choose and your location. 

How do I choose a good home warranty?

There are three basic steps to choosing a home warranty that’s right for you.

  1. Do the research. Find out what is available in your area. Decide which systems and appliances are most important to you, and any optional coverage that you’d like, and see which policies best match your criteria.
  2. Shop price. You don’t want to shop only for price, but compare prices on the two or three policies that best match your needs. 
  3. Due diligence. Before signing a service agreement, make sure you understand things like the coverage limitations, any exclusions, and other terms of the contract.