Top Best Home Warranty Companies In New Jersey Review

New Jersey homeowners have the benefits of being close to the bustling New York City life and the beautiful scenery of the Delaware River and the Atlantic Ocean. NJ has cold, snowy winters and hot, humid summers, giving those homeowners their fair share of home headaches. However, a home warranty in New Jersey can offer you peace of mind and protection on your systems and appliances. It is important to safeguard your home with one of the best home warranty companies in New Jersey according to your needs.

In this in-depth guide you’ll find out:

  • What a home warranty is—and why you need one
  • What to consider when you buy a home warranty in New Jersey
  • Our seven favorite home warranty providers in New Jersey and who they’re best for
  • City-specific factors that you’ll want to take into account when you select a home warranty
  • Regulations you’ll need to know in order to choose a reputable home warranty provider
  • Answers to some of the most common questions regarding home warranties in New Jersey
Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
96.5

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

Did you know that repairing a washing machine in the United States can cost up to $350 depending on the issue you run into? Or that you might pay up to $1,000 to repair or replace a broken refrigerator. These are just the costs that you might incur as a homeowner who has a damaged appliance—replacements are much more costly, especially if one of your systems needs to be replaced. For example, if you need to replace an old HVAC system, you should expect to pay between $7,000 and $10,000.

Most Americans don’t have enough cash in their savings to cover a system or appliance repair or replacement. Don’t count on your homeowner’s insurance to cover these costs either—unless they come as a result of a covered peril (like a fire or windstorm) your insurance will not approve your claim. Thankfully, you won’t need to worry about thousand-dollar bills when you enroll in a home warranty in New Jersey.

A home warranty is a home plan that protects you against the costs of repairs and replacements when one of your home components breaks down as a result of regular wear and tear. Like your homeowner’s insurance, you’ll pay a monthly premium in order to keep your coverage current. When a covered system or appliance breaks down, you’ll file a claim with your home warranty provider, who will send a repair professional to your home. Instead of paying hundreds or even thousands of dollars, you’ll get the service that you need in exchange for a small service fee.

Many homeowners consider a home warranty to be essential protection for their property. But with so many home warranty providers operating across the country, how can you possibly know that you’re working with a company that covers all of your needs?

We’ve created a complete guide for anyone looking for a home warranty in NJ. We’ll introduce you to a few of your favorite providers and help you get a quote fast. We’ll also provide you with a one-stop shop to get multiple quotes before you choose which home warranty works best for you and your family. 

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: 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.

Top 7 Best Home Warranty Companies in New Jersey

Compare New Jersey Home Warranty Providers

Looking for a quick summary of our providers? Check out a few fast facts about our recommended home warranty providers below—and click to get your free quote. 

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

New Jersey Home Warranty Costs 

With all of the great plan options that we presented, the number one consideration is almost always going to come down to the plan’s cost. New Jersey homeowners want a great deal on a home warranty and will do what they can to lower the cost. When shopping for a home warranty, it is very important to understand the average costs in your area. At Review Home Warranties, we have done in-depth research to give you the average cost of a New Jersey home warranty. We analyzed things like monthly fees, service fees, coverage caps, and more. Here are the average home warranty costs for several different types of New Jersey homes.

Type

Average Annual Premium

Overall

$774.54

Single Family Home

$638.07

Multi-Family

$1,162.53

Townhome

$533.05

Condo

$645.50

Home Over 5,000 sq ft

$1,294.73

Home Under 5,000 sq ft

$711.44

New Jersey Home Warranty Companies Review

As you learn more about home warranty companies in NJ and what they cover, you’ll notice that each company has different pricing, coverage limits, inclusions, and exclusions. As you think about the home warranty that you’d like to purchase, you’ll likely want to keep the following factors in mind.

  • Premium costs: Your premium is the cost that you pay every month to maintain your coverage. Be sure to choose a home warranty with a premium that you can afford each month. If you begin missing payments, your home warranty provider may cancel your coverage.
  • Sliding scale service fees: Each time you use your home warranty, you’ll pay the provider’s service fee. Some companies allow you to choose your own service fee. Electing to take a higher per-incident service fee can lower what you pay in premiums.  
  • Standard vs. add-on coverage: Every home warranty company will allow you to add extra systems and appliances to your plan for an additional monthly fee. The add-on coverages that you have access to will vary between home warranty providers; some companies offer extensive lists of coverages, while others offer only very basic additions. Keep in mind that any add-ons you choose will increase the cost of your monthly premium.

With that in mind, let’s take a look at a few of our favorite home warranties in New Jersey.

1. Best Overall: Choice Home Warranty

In need of a home warranty? Choice Home Warranty can help. Click here to get your free quote now

Founded right here in the Garden State, Choice Home Warranty has been providing home warranties in NJ for over a decade, with more than 4,000,000 service requests under their belt. This home warranty company offers competitive prices and comprehensive coverage through their two plans, with optional coverage available to add to either plan you choose. Their sign-up process is also exceptionally easy and can be done entirely online. 

The two plan options are the Basic Plan and the Total Plan. The Basic Plan covers a number of home appliances and systems, including the heating system of your property, the dishwasher, and more. The Total Plan offers coverage for even more systems and appliances in addition to what the Basic Plan offers. For example, you can choose the Total Plan if you want to extend coverage to your refrigerator. This straightforward quote and signup process and easy-to-understand plan options make Choice Home Warranty our favorite home warranty provider in New Jersey. 

Pros

Cons

24/7 claims service available

Service fee of $85 is a bit higher than most competitors 

Fast and easy signup process; can get coverage entirely online in as little as five minutes

 

Guaranteed labor for 90 days after a repair 

 

Affordable plan choices

 

Plans & Pricing:

Level of protection and type of home are two factors that determine the cost of a home warranty plan from Choice Home Warranty. For a home warranty contract for a home smaller than 5,000 square feet in New Jersey, the Basic Plan costs $46 per month and covers 13 systems and appliances. The cost of a Total Plan is around $55 per month, and covers the same 13 items plus washer, dryer, refrigerator and air conditioning. If you want full coverage, the Total Plan is the better option for NJ homeowners. You’ll also pay a flat-rate $85 service fee each time you use your coverage. Although this service fee may seem high, the low-cost monthly payment makes up for it.

Plans

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

Coverage:

Here’s what’s included in both home warranty plans from Choice.

Basic Plan

Total Plan

  • Heating system
  • Electrical system
  • Plumbing system
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Oven, range, and stove
  • Cooktop
  • Dishwasher
  • Built-In microwave
  • Garbage disposal
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans
  • Heating system
  • Electrical system
  • Plumbing system
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Oven, range, and stove
  • Cooktop
  • Dishwasher
  • Built-In microwave
  • Garbage disposal
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans
  • Refrigerator 
  • Air conditioning system 
  • Clothing washer
  • Clothing dryer

The following are optional coverages currently available in New Jersey: 

  • Pool and spa
  • Central vacuum
  • Second refrigerator
  • Well pump
  • Limited roof leaks
  • Stand-alone freezer
  • Sump pump
  • Septic system
  • Septic tank pumping

Choice Home Warranty does not cover systems or appliances with any type of pre-existing condition. This means that everything included in your plan must be in good, working order before you sign onto coverage. 

Customer Reviews:

Choice Home Warranty is currently not accredited by the Better Business Bureau (BBB). However, the company does maintain a BBB rating of B-. Reviews of Choice Home Warranty are very split depending on the site.

Customers who had a great experience with Choice Home Warranty frequently praised the home warranty provider for streamlining their claim and ensuring that a technician arrived at their home on schedule. However, customers who were not satisfied with Choice Home Warranty complained that the company took weeks to send a technician to their homes.  

BBB customer reviews:

We have been a customer of Home Choice for several years and used it twice, last yesterday. We called late pm, got an immediate email confirmation and within 60 minutes confirmation that a technician be at our house between 11 and 3 pm following day. At 10pm we got an email from the technician confirming the appointment. Also 3 additional confirming mails from Home Choice. At 11am we received a mail from the technician apologizing that he would only arrive at 11.30, which he did. He solved our problem in 30 minutes. — Dieter L., 05/14/2019, 5 stars.

I haven't had any hot water in my home going on 3 weeks now customer service and the tech have been lying to me and my wife. The tech still hasn’t showed up, after this I will been done with this company, and I will spread the word about them. — Bobby M., 09/25/2021, 1 star.

Learn more at our Choice Home Warranty Review.

2. Most Customizable: American Home Shield 

For a home warranty plan that is customized to your needs, check out American Home Shield. Click here to get your free quote.

American Home Shield is the most customizable on this list because the company offers three tiers of plans in addition to a wide variety of optional add-ons. As the first home warranty provider in the United States, American Home Shield provides coverage for a number of major home appliances and systems with experience to back up the claims that they make. American Home Shield also allows you to choose your own service fee, which helps you balance your costs per month and per service call. 

American Home Shield's most unique add-on is its Electronics Protection Plan. This extra coverage allows you to add all of your home’s major electronics to your coverage list. This includes TVs, laptops, desktop computers, tablets, printers, video game consoles, and much more. You can add unlimited devices to your plan, and any new electronics that you purchase when you’re enrolled in your American Home Shield home warranty coverage. This is a rare extension of coverage that we haven’t seen with any of our other recommended providers. 

Pros

Cons

Most comprehensive plan offers coverage for 14 major home appliances and 9 appliances 

Higher pricing on high-tier plans

Allows you to choose your own service fee

 

Offer an electronics protection plan that allows you to extend your coverage

 

Discounts offered on some appliance makes and models

 

Coverage offered for all appliances no matter their age

 

Plans & Pricing:

American Home Shield’s three available plans are the ShieldSilver, ShieldGold, and ShieldPlatinum plans, with ShieldPlatinum being the most comprehensive option for total home protection. ShieldSilver provides coverage for 17 major home systems including air conditioning systems, heating systems, electrical systems, and plumbing systems. ShieldGold covers most of the same systems as ShieldSilver, with the addition of nine home appliances including refrigerators and clothes washers and dryers. The ShieldPlatinum plan combines the coverages on both the previous plans plus a few extras and covers a total of 27 major home systems and appliances. The ShieldPlatinum plan is the best on the market for New Jersey home warranties. 

The price that you’ll pay per month for your American Home Shield plan will vary depending on the service fee that you choose. AHS offers 3 choices of service fees: $75, $100, and $125. Let’s take a look at what you can expect to pay for your plan if you selected a $100 service fee. 

Plans

Cost Per Month

Service Fee

ShieldSilver

$45

$75 - $125

ShieldGold

$55

$75 - $125

ShieldPlatinum

$75

$75 - $125

Coverage:

The following coverages are included on each American Home Shield plan: 

ShieldSilver

ShieldGold

ShieldPlatinum

  • Air conditioner
  • Heating units
  • Ductwork
  • Built-in exhaust, vent, and attic fans
  • Main breaker and fuse panel box
  • Doorbells and chimes
  • Interior electrical lines
  • Ceiling fans
  • Garage door openers
  • Interior plumbing lines
  • Toilets
  • Faucets and valves
  • Whirlpool tub motor and components
  • Water heaters
  • Rekey
  • Air filter discounts
  • Air conditioner
  • Heating units
  • Ductwork
  • Built-in exhaust, vent, and attic fans
  • Main breaker and fuse panel box
  • Doorbells and chimes
  • Interior electrical lines
  • Ceiling fans
  • Garage door openers
  • Interior plumbing lines
  • Toilets
  • Faucets and valves
  • Whirlpool tub motor and components
  • Water heaters
  • Rekey
  • Air filter discounts
  • Refrigerators
  • Ovens, ranges, and cooktops
  • Dishwashers
  • Built-in microwave ovens
  • Garbage disposals
  • Instant hot or cold water dispensers
  • Washers
  • Dryers
  • Air conditioner
  • Heating units
  • Ductwork
  • Built-in exhaust, vent, and attic fans
  • Main breaker and fuse panel box
  • Doorbells and chimes
  • Interior electrical lines
  • Ceiling fans
  • Garage door openers
  • Interior plumbing lines
  • Toilets
  • Faucets and valves
  • Whirlpool tub motor and components
  • Water heaters
  • Rekey
  • Air filter discounts
  • Refrigerators
  • Ovens, ranges, and cooktops
  • Dishwashers
  • Built-in microwave ovens
  • Garbage disposals
  • Instant hot or cold water dispensers
  • Washers
  • Dryers
  • HVAC tune-up
  • Roof leak repairs 

American Home Shield also offers the following add-on coverages: 

  • Electronics extended warranty
  • Pool and spa
  • Well pump
  • Septic pump
  • Guest unit

Customer Reviews:

American Home Shield is accredited with the BBB and currently maintains a BBB score of B. The company achieved BBB status in 1997 and has maintained it ever since. Reviews of American Home Shield are polarized but are more positive than select competitors.

Customers who had positive experiences with American Home Shield frequently complimented the company’s technicians and its policies. Reviews indicate that American Home Shield services systems and appliances regardless of age. However, some customers complained about the amount of time it took American Home Shield to visit their property.

BBB customer reviews:

Wouldn't recommend living without it. Especially if you purchase or own an older home. The policy cost [paid] for itself in the first year we lived in our home. Had our HVAC unit replaced for 1/10 the cost. Unbelievable. — Matthew M., 10/01/2018, 5 stars.

Worst company with no procedures in place to help customers. Been waiting for my Dish Washer to be fixed for over 3 months now…They do not have any escalation option, you are never allowed to talk to a supervisor…Their contractor is not responding to any phone calls from me or [from] AHS. For 3 months parts to repair the washer [have] not been sent. — Anju M., 09/20/2021, 1 star.

Find out more information from our American Home Shield Review.

3. Most Affordable: Select Home Warranty

Looking for a home warranty to help your home and wallet? Check out Select Home Warranty by clicking here for a free quote

Select Home Warranty’s coverage plans offer protection for home appliances, home systems, or both. The Bronze Care plan offers protection for home appliances such as the refrigerator and clothes washers and dryers. The Gold Care plan covers home systems including plumbing, electrical, heating, and air conditioning. Select Home Warranty’s Platinum Care plan provides coverage for all appliances and systems that the Gold Care and Bronze Care plans cover. 

One of the reasons why we love Select Home Warranty is thanks to its affordability. Select Home Warranty understands that not every homeowner can afford to pay hundreds of dollars a month for a home warranty, which is why the company keeps its policies affordable and accessible. No matter which option you’ll choose, you won’t pay more than $45 per month for coverage. 

Each home warranty plan comes with free roof coverage which is uncommon among home warranty providers. They have a large network of professionals throughout all 50 states that they offer coverage in. You can open a claim with their team 24/7, and the company will assign a technician. Depending on where you live, you’ll pay a service fee of $60 to $75, which is lower than most competitors. 

Pros 

Cons

Free roof leak coverage on new plans

Only the top-tier plan offers coverage for both appliances and systems

Lower service fees than competitors

 

Monthly fees lower than competitors

 

Discounts and promotions are available including $100 off any plan and the first two months free

 

Plans & Pricing:

As a homeowner in New Jersey, you can expect to pay $61 per month for the Gold Care plan or the Bronze Care plan. The Bronze Care plan covers 7 essential home appliances whereas the Gold Care plan covers 6 systems including heating and air conditioner. You can also save money and combine your coverages with the Platinum Care plan, which costs $66 in New Jersey. The Platinum Care Plan covers all of what's covered in the other two plans, plus three more: ceiling fan, garage door, and plumbing stoppages. You’ll also pay a service fee of $60 to $75 depending on your location, but $60 is on the low end for home warranty service fees. 

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$60

Bronze Care

$60.42

$60

Platinum Care

$65.83

$60

Coverage:

Let’s take a look at what’s included under each of Select Home Warranty’s current plan choices. 

Bronze Care

Gold Care

Platinum Care

  • Clothes washer
  • Garbage disposal
  • Refrigerator
  • Stove and oven
  • Microwave oven
  • Cooktop
  • Dishwasher
  • Clothes dryer
  • Cooling system
  • Heating system
  • Plumbing system
  • Electrical system
  • Water heater
  • Ductwork
  • Cooling system
  • Heating system
  • Plumbing system
  • Electrical system
  • Water heater
  • Ductwork
  • Plumbing stoppage
  • Clothes washer
  • Garbage disposal
  • Refrigerator
  • Stove and oven
  • Built-in microwave oven
  • Cooktop
  • Dishwasher
  • Clothes dryer
  • Garage door opener
  • Ceiling fan

You can also add the following optional coverages to any plan. Optional coverage starts at just $3.33 per month, which is another testament to Select’s commitment to affordability. 

  • Second refrigerator
  • Stand-alone freezer
  • Central vacuum
  • Ice maker
  • Septic system
  • Lawn sprinkler system
  • Well pump
  • Sump pump
  • Pool and spa with coverage for equipment
  • Plumbing fixtures
  • Lighting fixtures
  • Switches
  • Outlets

Customer Reviews:

Select Home Warranty is currently not accredited by the BBB. However, the company maintains a “B” grade from the BBB’s team. Reviews of Select Home Warranty are mostly positive across professional and amateur review sites.

Customers who recommended Select Home Warranty frequently praised its customer service team, which many customers found to be polite and exceptionally helpful. Customers who reported a negative experience frequently said that their claims were denied after being told that they would be reimbursed for a repair. 

BBB customer reviews:

"My Select sales representative] returned my inquiry with a quote that was an exceptional value versus my previous home warranty service. The value for the money is a huge plus with Select Home Warranty. I highly recommend them. — Eric S., 08/19/2021, 5 stars.

Called for a claim and the company was not able to provide me with a repair company within 4 full days (they claimed 24 to 48 hours). They authorized me to do my own technician and after I did and gotten the diagnostic done, company did not want to pay for the repairs claiming that I did not [provide] proper maintenance records. — Enrique A., 10/07/2018, 1 star.

Learn more at our Select Home Warranty Review.

4. Best Reviewed: Liberty Home Guard

As the best-reviewed home warranty company, Liberty Home Guard can offer you what you’re looking for. Check their website out here and get your free quote today

Liberty Home Guard gives protection to your home’s appliances and systems, relieving the stress of unexpected breakdowns and issues. With three plans offered, homeowners can choose between the Systems Guard, the Appliance Guard, or the Total Home Guard plan. Service claims can be submitted 24/7 over the phone or online. After filing a claim, Liberty will have a technician over for the repair within 24 to 48 hours.  

One of the reasons why we love Liberty Home Guard is thanks to its wealth of positive reviews across multiple sites. The company has only been in business for a few 

Pros

Cons

A+ rating on BBB

A newer company that only came into business in 2019

Low service fee of only $60

 

Contractors are intensely vetted and trusted by LHG 

 

Wide range of add-on coverages is available

 

Do not require a home inspection or maintenance record prior to getting coverage

 

Plans & Pricing:

Liberty Home Guard offers 3 plans: Appliance Guard, Systems Guard and Total Home Guard. The Appliance Guard plan covers 11 major appliances and will cost around $70 per month. Systems Guard covers 9 systems and costs $75 per month. The best and more comprehensive plan, Total Home Guard, covers all 20 appliances and will run you about $80 per month. Although LHG monthly payments may seem high, they are great deals considering the level of coverage you get.

You’ll also pay a $60 service fee each time you request service from Liberty Home Guard. This is exceptionally more affordable than most competing home warranty providers. Pricing depends on the size and location of your home. The following prices are for a single-family home in New Jersey that is less than 5,000 square feet.

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$60

Appliance Guard

$74.99

$60

Total Home Guard

$79.99

$60

Coverage:

Now that you know what you can expect to pay for your plan from Liberty Home Guard, let’s take a look at the appliances and systems included in each plan. 

Appliance Guard

System Guard

Total Home Guard

  • Washer-dryer sets
  • Refrigerator
  • Built-In microwave ovens
  • Dishwashers
  • Garbage disposals
  • Ranges, ovens, and cooktops
  • Ceiling and exhaust fans
  • Garage door openers
  • Air conditioning system
  • Heating system
  • Ductwork
  • Plumbing system
  • Electrical system
  • Water heaters
  • Washer-dryer sets
  • Refrigerator
  • Built-In microwave ovens
  • Dishwashers
  • Garbage disposals
  • Ranges, ovens, and cooktops
  • Ceiling and exhaust fans
  • Garage door openers
  • Air conditioning system
  • Heating system
  • Ductwork
  • Plumbing system
  • Electrical system
  • Water heaters

You can also add any of the following optional coverages to your plan.

  • Pool and spa
  • Additional spa
  • Gutter cleaning
  • Floor and carpet cleaning
  • Sump pump
  • Septic system pumping
  • Limited roof leak coverage
  • Pest control
  • Reverse osmosis system
  • Central vacuum
  • Standalone freezer
  • Re-key
  • Second refrigerator
  • Well pump
  • Fixtures (lighting and plumbing)
  • Water softener
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Grinder pump

Customer Reviews:

Customer reviews of Liberty Home Guard are overwhelmingly positive across multiple review platforms. The company is currently accredited with the BBB and has been awarded the highest possible grade of “A+” by the BBB’s team. The company has been BBB accredited since 2019.

Customers who loved their policy and coverage from Liberty Home Guard praised the company’s process—many customers testified that their technician showed up quickly, did their job, and remained polite and friendly throughout. However, a few customers claim that they’ve been waiting excessively for Liberty Home Guard to assign a technician to their home.

BBB customer reviews:

Tech from the AC company was very friendly and professional. He fixed the loose motor mounts which caused the squealing noise in our fan. — Sig O., 09/15/2021, 5 stars.

I’m disabled and have been without Air conditioning in the…heat for three weeks now. I have had to call Liberty Home Guard every day and I’m no closer to getting my A/C unit that was "approved" last Friday and has been put back "under review" this Friday. I asked when am I getting a unit? Monday? They said, “No. It will be reviewed Monday." — Patricia S., 09/17/2021, 1 star.

Read our Liberty Home Guard Review to learn more.

5. Best Emergency Service: ServicePlus Home Warranty

Looking for a company that has high standards that match yours? Get a free quote from ServicePlus Home Warranty today by clicking here.    

ServicePlus Home Warranty has quickly made a name for themselves over the past few years since their start in 2016. They offer two coverage options: a Gold Plan and a Platinum Plan, with a number of optional add-ons. Their base plan, Gold, covers a small selection of appliances and systems. The Platinum Plan covers everything the Gold Plan covers with the addition of a few appliances and systems. 

ServicePlus gains the best for emergency service on this list because they expedite services for claims that are considered emergencies. This policy can be a lifesaver if an emergency breakdown damages your home. This means that purchasing your home warranty through ServicePlus has the potential to prevent your home from incurring serious damage.

The contractors ServicePlus uses are pre-screened and continually monitored through their customer satisfaction survey program. You have the ability to follow the status of your claim through their online portal at any point after you make a service request.    

Pros 

Cons

Free roof coverage included on select plans

Does not allow you to choose your own service fee

Offers wide variety of discounts and promotions

 

Emergency service available

 

Offers the ability to expedite your claim when not deemed to be an emergency

 

Plans & Pricing:

ServicePlus offers two combo plans to its customers: the Gold Plan and the Platinum Plan. The Gold Plan has an annual cost of $619, and covers 13 items including water heater, electrical systems, and your oven. The Platinum Plan has an annual cost of $699, and covers all items included in the Gold Plan plus five more: washer, dryer, heating system, refrigerator, and air conditioning. Each plan has a service fee of $75 for all service requests, which is in the lower range when compared to other home warranty providers in New Jersey. For the amount of coverage offer, ServicePlus is a great choice for an NJ home warranty.

Plans

Cost Per Month

Service Fee

Gold Plan

$53.67

$75

Platinum Plan

$60.33

$75

Coverage:

The following coverages are what you can expect when you purchase your home warranty though 

Gold Plan

Platinum Plan 

  • Plumbing system components
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Electrical system
  • Oven, range, and stove
  • Cooktop
  • Sump pumps that are permanently installed in your home
  • Built-in microwave
  • Dishwasher
  • Garbage disposal
  • Trash compactor
  • Ductwork
  • Garage door opener
  • Ceiling fan
  • Exhaust fan 
  • Plumbing system components
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Electrical system
  • Oven, range, and stove
  • Cooktop
  • Sump pumps that are permanently installed in your home
  • Built-in microwave
  • Dishwasher
  • Garbage disposal
  • Trash compactor
  • Ductwork
  • Garage door opener
  • Ceiling fan
  • Exhaust fan 
  • Air conditioning system (2 Units)
  • Heating system (2 Units)
  • Refrigerator
  • Clothes washer
  • Clothes dryer

ServicePlus Home Warranty also offers the following extra coverages you can add to either plan. 

  • Pool and spa
  • Additional spa
  • Limited roof leak
  • Central vacuum
  • Sump pump
  • Well pump
  • Septic system
  • Septic pumping
  • Second refrigerator
  • Stand-alone freezer
  • Water softener
  • Refrigerator icemaker
  • Freestanding ice maker
  • Additional A/C system
  • Additional heating system
  • Additional water heater
  • Additional garage door opener
  • Additional oven, range, and stove

Coverage extras in New Jersey start at $2.08 a month. This cost is added to your monthly premium. 

Customer Reviews:

ServicePlus is currently not accredited or rated with the Better Business Bureau. Reviews of the company are mixed and polarized across multiple platforms.

Customers who had a positive experience with ServicePlus frequently complimented the company’s easy and simple claims process, which many customers described as efficient and quick. However, some customers claim that they were sent a technician who was not qualified to complete the requested repairs to their home, resulting in wasted time and frustration.

BBB customer reviews:

The claim process was seamless and very efficient. The service provider called the night before the service to confirm the best time to come for the repairs. He called the next morning to notify us he was on his way and the service was prompt and very professional. He repaired my heating issues in about 15 Minutes, we paid him our deductible and he left his business card should we need anything else. Outstanding experience! — Collin W., 12/06/2019, 5 stars.

This company hires people that work out of homes, apts and buildings. No store fronts. Plus, you have to wait days to get answers or results. Plugged drain on a Friday, called, person arrived on Tuesday, had to get approval back on Monday to work on the problem. Looked like he had no idea what he was doing. — Grace D., 05/23/2019, 1 star.

Find out more from our full ServicePlus Review.

6. Best Coverage: First Premier Home Warranty

If you’re in need of a home warranty with excellent coverage, First Premier Home Warranty may be the best choice for you. Click here to claim your free quote

First Premier Home Warranty offers comprehensive coverage plans at a competitive price. Their two plans, Premier and Premier Platinum are able to be purchased with a monthly and yearly contract. The Premier plan covers systems and appliances including plumbing systems, dishwashers, electrical systems, and garage door openers. We love First Premier thanks to its flexible service fees and its commitment to hiring only the best of the best when policyholders need a technician. This strict hiring process ensures that technicians are up-to-date on how to effectively repair the most recent appliances and systems. 

First Premier is Better Business Bureau accredited and although their BBB profile only has 13 customer reviews, their BBB rating is a B+. They work with a network of some of the best technicians in the country. While clients are not able to choose their own technician, you are able to get a free second opinion at your discretion. 

Pros

Cons

Online portal with 24/7 service available

Only been in business since 2020

Lower-than-average service fees 

 

Premier Platinum plan offers coverage for multiple of the same system

 

Excellent discounts for annual plans

 

Plans & Pricing:

First Premier Home Warranty offers both monthly and annual contracts for both of its plans. Here’s what you can expect to pay for your plan as a homeowner in New Jersey depending on how you choose to pay for your coverage. 

  • Premier Gold Plan: As a resident of New Jersey, you can expect to pay $43 per month for your Premier Plan if you pay on a month-to-month basis. If you commit to an annual plan with a single payment, you can expect to pay $369. That means that you’re saving $147 per year by paying in one lump sum. The Gold Plan also covers 14 systems and appliances including plumbing system and stoppages, ceiling fans, and garage door opener.
  • Premier Platinum Plan: If you purchase the Premier Platinum Plan, you can expect to pay $50 per month for your coverage if you purchase your plan on a month-to-month basis. If you pay in one annual lump sum per year, you’ll pay $399. This means that you can save $201 by funding your plan in a single payment. The Platinum plan covers 19 essential systems and appliances including refrigerator, air conditioning, heating system, and water heater.

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

Coverage:

Here’s what you can expect to be covered on each of First Premier’s plan options.

Premier Plan

Premier Platinum Plan

  • Plumbing system
  • Plumbing stoppages
  • Water heater
  • Whirlpool bathtub
  • Electrical system
  • Oven, range, and stovetop
  • Cooktop
  • Built-in Microwave
  • Dishwasher
  • Garbage disposal
  • Trash compactor
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans
  • Sump pump that is permanently installed

 

  • Plumbing system
  • Plumbing stoppages
  • Water heater
  • Whirlpool bathtub
  • Electrical system
  • Oven, range, and stovetop
  • Cooktop
  • Built-in Microwave
  • Dishwasher
  • Garbage disposal
  • Trash compactor
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans
  • Sump pump that is permanently installed
  • Air conditioning system (2 Units)
  • Heating system (2 Units)
  • Refrigerator
  • Clothes washer
  • Clothes dryer

 

You can also add optional coverage for the following home components: 

  • Pool and spa
  • Additional spa
  • Limited roof leak
  • Central vacuum
  • Sump pump
  • Well pump
  • Septic system
  • Septic pumping
  • Second refrigerator
  • Stand-alone freezer
  • Water softener
  • Refrigerator ice-maker
  • Free-standing ice machine
  • Additional air conditioning system
  • Additional heating system
  • Additional water heater
  • Additional garage door opener

Customer Reviews:

Though First Premier only has one year of experience offering home warranty policies, the company has already gained BBB accreditation. First Premier first achieved BBB accreditation status in 2020 and has maintained it to this day. The company also maintains a “B+” grade from BBB professionals.

Customers who had a great experience with First Premier Home Warranty praised the company’s coverage options and expansive choices, which is one of the reasons why we’ve awarded them our distinction for the best coverage. However, customers who were not satisfied with First Premier frequently complained that the company didn’t pay out claims when the customer believed they deserved approval.

BBB customer reviews:

After comparing several home warranty quotes I decided on First Premier because of their coverage and reputation. They offer more coverage on their Platinum plan than anyone else and their pricing is also very competitive. I spoke with [a First Premier representative] who was able to answer all of my questions before signing up. — Karen S., 08/12/2021, 5 stars.

They will do anything to get out of a claim. They sent [their] own air conditioning tech to our house, he reported the problem with our air conditioner and First Premiere would not honor it. First Premier wouldn't even talk to their own Tech they sent out to explain what was wrong with our air conditioner and it should be a covered item. I asked to talk with a supervisor and I was transferred to another claims operator that said he was the Operations Manager. Turns out he wasn't and straight out lied. — BBB user “Bill,” 09/23/2021, 1 star.

For more information, read the full First Premier Review.

7. Best Workmanship: Cinch Home Services 

Get your free quote from Cinch Home Services now by connecting with a representative here.  

Cinch Home Services opened their business in 1978 in Florida. In 2021, they received 16 Stevie awards for customer service. They have a 24/7 call center and a digital dashboard where you can make service requests 24/7. Cinch Home Services offer faster service than the industry norm. If a service request is made within business hours, they try to get a technician to you in just two hours. In addition, they have a 180-day workmanship guarantee. We’ve awarded Cinch our award for the best workmanship thanks to the company’s commitment to ensuring that homeowners enjoy lasting repairs. 

The Appliances Warranty Plan offers coverage for larger home appliances including refrigerators and clothes washers and dryers. The Built-in Systems Plan provides coverage for major systems within the home including heating and cooling systems, electrical systems, and interior gas and plumbing systems. The Complete Home Warranty Plan is a combination of both the Appliances and Built-in Systems plans, plus a few additional coverages.     

Pros

Cons

Easy to read plan documents making it easy for customers to know what coverage they’re getting 

Higher-than-average service fees 

Able to choose your own service fee

 

Coverage for parts and components such as knobs and doors

 

Homeowners may be eligible for a $500 homeowners deductible reimbursement when they choose the Complete Home Plan 

 

Plans & Pricing:

Cinch Home Services has three plans NJ homeowners can choose from: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The Appliances Plan covers 11 home appliances, including refrigerator, washer and dryer. The Built-in Systems Plan covers 21 major home systems including air conditioning, heating, plumbing and electrical. The Complete Home plan is the best and most comprehensive option because it covers all 32 home systems and appliances. This is more than is covered in almost any other plan offered by any other home warranty provider in New Jersey.

Cinch’s plan pricing varies depending on the state that you live in and the service fee that you choose. Cinch allows you to select a service fee of $75, $100, or $150, and the service fee that you select will influence the price that you pay per month. Here’s what you can expect to pay for coverage as a homeowner in New Jersey who selected a $100 service fee. 

Plans

Cost Per Month

Service Fee

Appliances Plan

$44.99

$75 - $150

Built-In Systems Plan

$51.99

$75 - $150

Complete Home Plan

$61.99

$75 - $150

Coverage: 

Here’s a summary of what you can expect to be covered on your Cinch Home Services plan: 

Appliance Plan 

Built-in Systems Plan

Complete Home Plan 

  • Clothes dryers
  • Clothes washers
  • Cooktops
  • Dishwashers
  • Food centers (Built-in)
  • Freestanding ice makers
  • Microwaves (Built-in)
  • Ranges
  • Range exhaust hoods
  • Refrigerators
  • Trash compactors (Built-in)
  • Wall ovens
  • Air conditioning including ductwork
  • Attic fans
  • Ceiling fans
  • Central vacuums
  • Doorbells
  • Electrical system
  • Garage door openers 
  • Garbage disposals
  • Heating system including ductwork
  • Instant hot or cold water dispenser
  • Plumbing system
  • Smoke detectors
  • Sump pump
  • Toilets
  • Water heater
  • Whirlpool or jetted tub (Built-in)
  • Clothes dryers
  • Clothes washers
  • Cooktops
  • Dishwashers
  • Food centers (Built-in)
  • Freestanding ice makers
  • Microwaves (Built-in)
  • Ranges
  • Range exhaust hoods
  • Refrigerators
  • Trash compactors (Built-in)
  • Wall ovens
  • Air conditioning including ductwork
  • Attic fans
  • Ceiling fans
  • Central vacuums
  • Doorbells
  • Electrical system
  • Garage door openers 
  • Garbage disposals
  • Heating system including ductwork
  • Instant hot or cold water dispenser
  • Plumbing system
  • Smoke detectors
  • Sump pump
  • Toilets
  • Water heater
  • Whirlpool or jetted tub (Built-in)
  • $500 reimbursement for homeowner’s insurance deductible

Cinch Home Services also offers the following optional coverages you can add to any plan:

  • Pool
  • Spa
  • Pool with spa
  • Septic tank and pumping
  • Well pump
  • A Premier Upgrade Package that provides coverage for things like permits and code expenses up $1,000

Customer Reviews:

Cinch Home Services is currently accredited with the BBB and maintains a “B” grade from representatives at the Better Business Bureau. Cinch Home Services has been BBB accredited since 2019 and has maintained this accreditation to this date. Reviews of Cinch Home Services are split depending on the platform.

Customers who were satisfied with the plan and coverage that they received from Cinch complimented the company for its professionalism and the commitment its technicians had to get things right the first time. However, customers who were not satisfied with the home warranty coverage claimed that they had been denied coverage over and over again even after being promised that they’d receive a repair.

BBB customer reviews:

I've had nothing but great experiences with Cinch Home Services. They are always professional and there is never a hassle. I wouldn't trade their home warranty for anyone else's considering the horror stories I've heard in the past. Keep up the good work!!! — Jeffery B., 05/16/2021, 5 stars.

Cinch was paid for as part of us buying our first home. In the time we filed 3 claims. All of which we were told would be covered. All of which we had to pay out of pocket for. Now that our contract is expiring they call every week asking us to renew. I have even gotten promises that if we renew they will review the old denied claims. Their service is a joke. — Matt M., 09/02/2021, 1 star.

Learn more information from our Cinch Home Services Review.

Home Warranty Coverage in New Jersey Cities

What You Should Consider Before Buying A Home Warranty in New Jersey 

While many homeowners consider a home warranty in New Jersey to be essential protection, every plan may not be right for every homeowner. Here are a few things you may want to consider as you think about the best home warranty in NJ.

  • A home warranty is not homeowner’s insurance: Though home warranties usually cover appliances and systems that are also covered by your homeowner’s insurance, the two protections are not interchangeable. Do not assume that your homeowner’s insurance will provide you with coverage for regular breakdowns in your home’s systems and components.
  • Home warranty companies in NJ will not cover pre-existing conditions: Almost every home warranty company will require your systems and appliances to be in good, working condition before you can sign onto coverage. Check the status of your home components before you sign onto a policy so you can make any needed repairs that may put your warranty in jeopardy of being voided.
  • Failing to maintain your home components can potentially void your warranty: Your home warranty in NJ will not cover breakdowns that could have been avoided if you had been maintaining a proper home tune-up schedule. Your home warranty provider may ask you to provide maintenance records when you file a claim—so be sure to keep these documents handy.

Remember that home warranty prices may vary depending on the size of your home and what part of New Jersey you live in. We recommend getting a custom quote from each of our recommended providers for the most accurate possible pricing information. 

Home Warranty Tips for New Jersey Residents

The unique and diverse climate of New Jersey makes it especially important to consider where you live and the weather of your area before you select a home warranty. Men and women who live along the coast of the Atlantic Ocean will face different types of breakdowns than those who live in the landlocked north.

New Jersey’s most populous city is Newark, which houses more than 300,000 residents and is located along the Delaware River. Newark sees an average of 48 inches of rain a year, which is almost a foot more rain annually when compared with the rest of the United States (which receives an average of 38 inches a year). This means that if you live in one of the many populous cities along the Delaware River (including Elizabeth, Edison, and Secaucus) you’ll want to consider the effects that heavy rain will have on your appliances and systems. You may want to invest in a plan that offers extra coverage for breakdowns due to rust or in a roof leak coverage plan.

If you live in a more urban area of New Jersey (like Trenton, Cherry Hill, or Jersey City) you might be living in an older property, as these cities were settled alongside the historic Philadelphia area. For example, Trenton was founded in 1719—meaning that the city is more than 200 years old. If you live in a historic area and you aren’t sure when your appliances and systems were last replaced, be sure to choose a policy that includes coverage for home components regardless of age.

The south of New Jersey is situated directly on the Atlantic Ocean and is home to some of the most famous beachside towns in the United States. If you live in Atlantic City, Surf City, Wildwood, or Cape May, you already know that summers along the coast are hot and muggy. This means that residents of these areas will want to invest in a plan that provides comprehensive coverage for their air condition systems, as well as any home components that can be easily damaged by humidity (like your electrical system).    

Home Warranty Regulations in New Jersey

All new homes sold in New Jersey are required to come with a home warranty. These homes that fall under this requirement include single-family, duplex, townhomes, and co-ops. This home warranty should be acquired through the home builder. Warranty documents should be received upon closing or contract settlement. If the warranty documents are not received, you should contact your builder. Builders may also give you warranties for certain appliances within the home. 

The home warranty covers from the time of sale for one year. This coverage is for defects in materials and workmanship. Coverage for design and installation of heating, air conditioning, plumbing, and electrical systems is for two years. The warranty period is ten years for major structural defects. Home warranties should be transferred to new homeowners after sale. 

Final Thoughts

One very important last point to keep in mind as you shop for home warranties: waiting periods are included on almost all policies. Like some types of insurance (like dental insurance) this means that your policy includes limitations on when you can begin using your coverage after signing on. For example, if your policy includes a 30-day waiting period, you cannot file a claim until your policy is at least 30 days old.

If you’re considering a home warranty in New Jersey, don’t wait until you’re left without a refrigerator or air conditioning system. Begin exploring your coverage options now to be sure that you’re never left holding a thousand-dollar repair bill. Our Recommendation? Go with Choice Home Warranty as the best overall home warranty company in New Jersey.

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

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 best home warranties in NJ, 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 in NJ . 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.

Resources for New Jersey Homeowners and Home Buyers

  • Single Family Home Loans In New Jersey: Living in New Jersey is an excellent place if you are looking for loans and grants to get you started on your homeownership journey. For single-family home loans, this website has some great resources to help save you time and money. 
  • Golden Neighborhoods Homeownership Program:  For low-income New Jersey families that are worried about being able to afford a home, the Golden Neighborhoods Homeownership program is one worth considering. Down payment and closing cost assistance are just two ways this program can help. 
  • New Homeowner Grants: There are typically plenty of opportunities to save money and become well educated about the homeownership process for first-time homebuyers. If you are new to the New Jersey area and need some help saving money on your first home, be sure to research these grants.
  • New Jersey Housing and Mortgage Finance Agency: New Jersey homeowners looking to get some assistance when it comes to their mortgage financing and mortgage rates will enjoy the New Jersey Housing and Mortgage Finance Agency resources. Regardless of where you stand in the mortgage process, this website is helpful.
  • New Jersey Weatherization Assistance: In the state of New Jersey, homes need to be prepared for any weather conditions. For low-income households that have a hard time affording this, weatherization assistance can be a big help.

Recap of Our Top Picks In New Jersey

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $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 97.00
  • 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 96.50
  • $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 96.10
  • $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 95.50
  • $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 95.30
  • Lower chance of claim denial
  • Choose your own service fee!
  • Multiple optional coverage items
  • Limited plan selection
  • Online chat not supported
  # 7 Cinch Home Services
Editorial Rating 95.00
  • 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

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.

Q.

Is a New Jersey home warranty worth it?

A.
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. 
Q.

What are the best home warranty companies in New Jersey?

A.
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
Q.

What do home warranties cover?

A.
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. 
Q.

How much does a New Jersey home warranty cost?

A.
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. 
Q.

How do I choose a good home warranty?

A.
There are three basic steps to choosing a home warranty in NJ 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.