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 leading companies and continue reading to learn about plan options from each provider. 

 

Editor's Choice
97.0

Limited Time: New Customers Get $100 Off
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
95.8

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

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 $100 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 95.8
  • $175 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Amazon Home Warranty
Editorial Rating 95.6
  • $100 Off + 1 Month Free
  • Good BBB rating B
  • 24/7 service calls
  • Smaller company
  • Online chat not supported
  # 5 Liberty Home Guard
Editorial Rating 95.1
  • $200 off + 2 month free + Free Roof Coverage
  • Newly designed customer claim portal
  • The BBB's #1 Home Warranty Company
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.0
  • Get $100/ $50 off!
  • Large number of homeowners
  • Clients report fair compensation
      # 7 Total Home Protection
    Editorial Rating 91.9
    • $200 OFF + 2 Months Free
    • Free Roof Coverage
    • Comprehensive coverage plans
    • 1 day to submit claim
    • Limited availability (6 states)

    Disclosure: ReviewHomeWarranties.com 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, home warranty in NJ will save you a lot of time, and in many cases, money. 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 homeowner 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.

    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 warrantyIn our Best Home Warranty Plans section, you will be able to find the cheapest plan providers. For New Jersey, Total Home Protection 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, washer and dryer, 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.

     

    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 warrantyYou 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.

    Home Warranties in New Jersey FAQs

    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. Amazon Home Warranty
    5. Liberty Home Guard

    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

    Appliances
    • Refrigerator
    • Oven / Range / Stove
    • Cooktop
    • Dishwasher
    • Clothes Washer
    • Clothes Dryer
    • Built-in microwave
    Systems
    • 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
    Monthly
    Annually
     
    $56
    $672
     
    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.

    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. Home buyers 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.

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