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Best Home Warranty in Paterson, NJ

Paterson, New Jersey is a diverse and active city where homeowners get a mix of seasons and access to plenty of outdoor activities. Living in Paterson can be a great fit for many New Jersey homeowners, but unfortunately, it can come with its fair share of negatives as well. Home appliances and systems can be challenging to maintain and keep working. In our guide featuring the top 7 best home warranty companies in Paterson, we will cover . . . 

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

Home appliances and systems are subject to issues that can become costly to repair. You can spend thousands of dollars in the course of a year, and the issues still feel as though they never stop. With a home warranty in New Jersey, you can have peace of mind that a repair or a replacement will not cost you thousands of dollars. There are plenty of excellent home warranty companies in Paterson, and we have narrowed them down to the top seven overall. Let’s take a look at which one will be the best fit for your home. 

Editor's Choice
98.0

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

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

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

The 7 Best Home Warranty Companies in Paterson

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

Our highest-rated home warranty companies in Paterson include:

Compare Paterson Home Warranty Providers

At Review Home Warranties, we reviewed more than 80 different home warranty companies available to Paterson homeowners. When looking at these companies, we compared things like the overall costs, service fees, customer service reviews, BBB ratings, and more. Here is a look at how the top seven best home warranty companies in Paterson ranked.

Provider

Visit Site

Best For

Monthly Cost

Service Fee

BBB Rating

Choice Home Warranty

Site

Best Overall

$40 – $48

$85

B-

American Home Shield

Site

Most Customizable

$50 – $60

$75 – $150

B

Select Home Warranty

Site

Most Affordable

$36 – $38

$60

B

Liberty Home Guard

Site

Best Reviewed

$40 – $60

$60

A

Cinch Home Services

Site

Best Workmanship

$28 – $40

$100 – $150

A-

First Premier Home Warranty

Site

Best Coverage

$45

$75

B-

ServicePlus Home Warranty

Site

Best Emergency Service

$41 – $45

$75 – $125

A

Paterson Home Warranty Costs 

One of the main factors that Paterson residents look at when choosing a home warranty is the price. If a home warranty does not fit in your budget, it will not be a good match for the home. We have done in-depth research to come up with the average home warranty costs across several different home types. You can use this charge to have an idea of what the average costs are to determine if you are getting a great deal on your home warranty. 

Type

Average Annual Premium

Overall

$724.91

Single Family Home

$608.54

Multi-Family

$1,093.43

Townhome

$499.79

Condo

$601.11

Duplex

$879.78

Home Over 5,000 sq ft

$1,294.73

Home Under 5,000 sq ft

$648.37

Paterson Home Warranty Company Reviews

As a Paterson homeowner, you will need to carefully decide which coverage is the most important to you. Are you worried about the speed of service, the number of covered items, workmanship, or even the service fees? When looking at the different home warranty plans on the market, try to have a general idea of what matters the most to you in a home warranty plan. 

1. Choice Home Warranty: Best Overall 

Choice Home Warranty is the best overall home warranty for Paterson homeowners. With a Choice Home Warranty, you will get more than 13 years of industry experience, excellent customer service, and reasonably priced home warranty policy options. One of the things that really helps Choice Home Warranty stand out is the simplicity of the service contract. This contract will tell homeowners exactly what is covered and what is not covered. There is very little fine print or confusing terminology. 

The Choice Home Warranty plan only has two policy options to choose from. However, both of these policies will have a mix of system and appliance coverage. The fact that you will have both systems and appliances covered under a reasonably priced plan really sets Choice Home Warranty apart. With the high coverage caps, extensive add-on options, and overall ease of working with Choice, this is an intelligent home warranty decision. 

Pros

Cons

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

Plans and Pricing

Choice Home Warranty only has two plans to choose from. However, each of these plans has both system and appliance coverage. The service fee from Choice is fairly priced and allows for the general affordability of the plan. 

Plan

Cost Per Month

Service Fee

Basic Plan

$42

$85

Total Plan

$50

$85

Coverage:

The coverage and coverage caps associated with the Choice Home Warranty plan are quite impressive. The caps are typically close to $3000 for most covered items. This makes Choice Home Warranty an excellent option for those with high-end systems and appliances. 

Customer Reviews:

“Major winter storm hit DFW, and all plumbers were naturally super busy. One call to Choice, and within 72 hours, they had a contractor come to hour home. Great service. Very prompt and courteous all the way around. I highly recommend CHW. Be patient, and they will take care of it.” Source

2. American Home Shield: Most Customizable 

The American Home Shield is the most customizable home warranty plan in Paterson. The American Home Shield company has been on the market for more than 50 years, and it has helped customers who are worried about premium coverage and impressive workmanship. With American Home Shield, you have the option to pick and choose coverages that will work for your home. If you want your stovetop covered but not your refrigerator, the American Home Shield plan allows you to do it. 

With American Home Shield, you can also customize your monthly payment and service fee to work for your needs. The coverage caps with AHS are quite high, and the customer service is also very impressive. This company pays out more claims each year than any other home warranty company. If you properly maintain your appliance and systems, when an issue comes up, American Home Shield will handle it. 

Pros

Cons

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

Plans and Pricing

There are three AHS plans to choose from. The Platinum Plan is one of the most expensive options on the market, but it does have a combination of both systems and appliances. 

Plan

Cost Per Month

Service Fee

Silver Plan

$45

$75 – $125

Gold Plan

$55

$75 – $125

Platinum Plan

$79

$75 – $125

Coverage:

Similar to Choice Home Warranty, American Home Shield has some of the highest coverage caps on the market. With an American Home Shield home warranty, the caps can be $2500 or more for certain covered items. In addition, there are great add-on choices for pools and spas from AHS.

Customer Reviews:

My microwave crapped out a week and a half before Christmas, not good. The process of getting a repair company was a bit laborious, but once that was done, the repair guys were very pleasant, knowledgeable, and fast. I’m glad I have American Home Shield.Source

3. Select Home Warranty: Most Affordable 

The Select Home Warranty is the most affordable home warranty plan for Paterson homeowners. With a Select Home Warranty plan, you can get peace of mind for your Paterson home at a very fair price. Select Home Warranty has been on the market for more than nine years, and they offer free roof leak coverage with all of their home warranty plans. This is often a very popular choice for the first-time homebuyer because of the affordability and quality of the plan. 

One of the great things about Select Home Warranty is the coverage is not just affordable; it is also great quality. Select Home Warranty takes its workmanship very seriously and will only use the highest trained contractors and technicians to complete a project. The three policy options from Select Home Warranty give customers a great variety of affordability and impressive coverage. 

Pros

Cons

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

Plans and Pricing

There are three plans from Select Home Warranty, a systems plan, an appliance plan, and a combo plan. The Platinum Plan is the best overall choice because of the combination of both systems and appliances offered with the policy. 

Plan

Cost Per Month

Service Fee

Gold Care

$41

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Coverage:

Coverage caps for the Select Home Warranty plan are a bit lower than they are with other home warranty companies. With the coverage caps being lower, Select Home Warranty is not always the best choice for high-end systems and appliances; keep this in mind to ensure you get the policy that is right for your needs. 

Customer Reviews:

I have had nothing but good experiences with this home warranty. I have dealt w another in the past and never had anything resolved or paid for, but SHW has been great!! Upon reading these reviews, I kept looking to confirm it was regarding Select bc my experiences have been totally opposite. They have covered everything except an exhaust fan in my home literally. I actually just extended my coverage for another five years and bought a three year for my sis. Really!! The other home warranty I dealt with I would never recommend, but I have been totally pleased w Select!”  Source

4. Liberty Home Guard: Best Reviewed 

Liberty Home Guard is the best-reviewed home warranty plan in Paterson. With just over two years of industry experience, Liberty Home Guard has earned one of the highest BBB ratings among any of the home warranty plans on the market. The home warranty industry can be a tough one from a customer service perspective, but Liberty Home Guard manages themselves quite well. In addition to impressive customer service, Liberty Home Guard has put together some home warranty policies that really help increase peace of mind for customers. 

The Liberty Home Guard plan has one of the longest add-on coverage options of any plan on the market. If you have a unique Paterson home with lots of features and upgraded systems and appliances, you may be interested in this extensive add-on coverage from LHG. These coverages will come at a cost, but everything from a central vacuum to an extra refrigerator can be added to the plan. 

Pros

Cons

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

Plans and Pricing

There are three home warranty plans to choose from with Liberty Home Guard. Service fees from this company are quite fair, and the Total Home Guard seems to be the most popular option for Paterson homeowners. With coverage of both systems and appliances, this is an excellent investment for your home. 

Plan

Cost Per Month

Service Fee

Systems Guard

$49.99

$60

Appliance Guard

$44.99

$60

Total Home Guard

$54.99

$60

Coverage:

The coverage caps associated with the Liberty Home Guard plan are fair. Overall coverage is about average, and then the additional add-on options can really set this policy apart. The only downside is that the add ons come at an additional cost. 

Customer Reviews:

I have been working with Eric by phone and email. He has been very pleasant and professional. He answered my questions and took care of my home warranty needs giving me some peace of mind. 🙂Source

5. ServicePlus Home Warranty: Best Emergency Service 

ServicePlus Home Warranty has the best emergency service in Paterson. Paterson, New Jersey homeowners will need to deal with warm summers and cold winters. During those times, the breakdown of the HVAC system can be a complicated issue to deal with. When you have a ServicePlus home warranty, a quick call could mean service the same day. This is a feature that many home warranty companies do not offer. Sometimes an emergency repair will come with an increased fee, but the SErvicePlus home warranty service is still faster than average. 

With more than five years in the industry, ServicePlus has developed a strong reputation in the Paterson area. In addition, they have built up an extensive network of contractors and repair technicians. These people know how to respond quickly and adequately to an issue that may come up around the home. With fair pricing and impressive workmanship, ServicePlus is a very good choice for a Paterson homeowner. 

Pros

Cons

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

Plans and Pricing

ServicePlus Home Warranty keeps things simple with two plan options to consider. The Platinum Plan is the more comprehensive choice with both system and appliance coverage. In addition, the service fee associated with the Platinum Plan is quite fair. 

Plan

Cost Per Month

Service Fee

Gold Plan

$42

$75

Platinum Plan

$46

$75

Coverage:

Service Plus home warranty has fair coverage caps, and the overall range of covered items under the plan is also pretty good. With the Platinum Plan, your coverage will be considerably better for your Paterson home. 

Customer Reviews:

You never know how good a policy is until you have to claim. This is a fabulous company with excellent staff who provide knowledgeable, attentive, and efficient customer service to clients. Highly recommend.” Source

6. First Premier Home Warranty: Best Coverage 

The First Premier Home Warranty offers the best coverage for a home warranty in Paterson. Interestingly, First Premier Home Warranty has only been on the market for about a year, but they have managed to work their way up and become one of the best coverage plans in a very short period of time. During that same time period, they have also earned an A- rating from the BBB, something that is almost unheard of from a new company. 

The First Premier Home Warranty makes it so that homeowners do not need to pick and choose between services for their home, and they have peace of mind about a wide range of options. The coverage is affordable, and although it is not the best choice for higher-end appliances or systems, it is still relatively fair when it comes to value. 

Pros

Cons

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

Plans and Pricing

There are only two plans from the First Premier home warranty, but they both offer extensive coverage. The Premier Plan has more than 15 covered items, and the Platinum Plan has close to 20. Some home warranty plans will only have six or seven covered items. Keep this in mind, so you get a great home warranty plan. 

Plan

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

Coverage:

The coverage from First Premier is extensive, but the coverage caps are low. Think of this as blanket-like coverage across your entire home. If you have a hard time choosing between which appliances and systems you want to be covered, First Premier makes things easy. 

Customer Reviews:

Great response in a timely manner. Excellent professional technicians. I have never had a problem with the First Premier Home Warranty. My dishwasher was “dead,” with no power. FPHW has sent their technician the next day, and he determined the control board burned. He ordered the spare part, and two days later, my dishwasher was working smoothly. Great experience. Keep up the great work.”Source

7. Cinch Home Services: Best Workmanship

The Cinch Home Services home warranty offers the best workmanship guarantee in Paterson. With the Cinch Home Services policy, you get a 180-day workmanship guarantee, considerably longer than any other policy on the market. This means that after a repair is completed, you have 180 days to report any issues with the repair. This can save Paterson homeowners a lot of money on unnecessary fees. With more than 40 years of industry experience, Cinch Home Services really knows what they are doing and has impressive customer service. 

The overall coverage and add-on options that Cinch Home Services offers is quite impressive and will work for both higher-end homes and small homes with few appliance and systems. The only real negative with Cinch Home Services is the higher service fees, but this is typically a result of the impressive overall workmanship and long workmanship guarantee. 

Pros

Cons

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

Plans and Pricing

As you will see, the monthly pricing associated with the Cinch Home Services plans is quite fair, but the service fees are high. Higher-priced service fees often lead to more out-of-pocket expenses, and this should be considered for all homeowners. 

Plan

Cost Per Month

Service Fee

Appliances Plan

$44.99

$100 – $150

Built-In Systems Plan

$51.99

$100 – $150

Complete Home Plan

$61.99

$100 – $150

Coverage:

The Cinch Home Services plan has good coverage and fair coverage caps. In addition, there are add-on options that you can include to make the plan even more comprehensive. The Cinch Home Services Complete Home Plan can give a Paterson homeowner tremendous peace of mind about their New Jersey home. 

Customer Reviews:

I have been a customer of the Total Protect program for nearly ten years. I have had good success with the program, and although the deductible has gone up over the years, I am still confident that when I call them, they will continue to provide the service they always have. Source

What Does a Home Warranty Cover in Paterson

Many Paterson residents wonder about the difference between a home warranty and a homeowners insurance plan. With a home warranty, you can get coverage for both home systems and appliances, like the septic system, plumbing, HVAC or the furnace, and the normal wear and tear that they experience. Sometimes through the course of normal use, a washing machine or even an electrical system can experience an issue. 

With a home warranty in place, a homeowner can make a quick phone call and have that covered item repaired for just the price of a service fee. This is a great benefit that leaves homeowners with quite some peace of mind. 

When it comes to home warranty coverage, a customer will not be able to use the plan for intentional breaks, issues occurring from a natural disaster, or lack of maintenance that caused a problem. As a homeowner, you need to keep your home in great condition, and the home warranty will fill in when there are issues that come up that are out of your control. 

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

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

Common appliances covered under Paterson home warranties include:

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

Benefits of a Home Warranty in Paterson

The benefits of a Paterson home warranty are quite extensive. Think about the cost of repairing several of your appliances or systems in the course of a month; would you be able to afford it? For most homeowners, the answer is no, and they would have to wait to repair or replace. As a homeowner, you want to be able to use and enjoy your entire home at all times. Here are some of the most important benefits that homeowners will find from having a home warranty in place. 

Protection of Budget

Most homeowners will have a monthly budget that allows them to manage both income and expense. With a home warranty in place, you will know that your budget may have to handle an occasional service fee, but the large repair and replacement expenses should be covered under your plan. Protecting your budget is a very smart thing to do. 

Quality Contractors 

Contractors who work with home warranty companies have to go through extensive training and education regarding the issues that these home warranty companies deal with. Providers like Select Home Warranty and Cinch Home Service are very particular about the contractors they will allow into your home. 

Fast Response Times 

You are guaranteed service within a specific period with a home warranty in place. This is important for those emergency-type situations where something could come up and cause you quite a bit of discomfort or inconvenience in your home. Without the home warranty, you could wait days or even weeks before getting a contractor to come to your home and repair it. 

Final Thoughts

We hope that you now feel as though you can pick a Paterson home warranty with complete confidence. With all the great choices on the market, we know this can be a difficult decision. However, with the information we provided, you should be able to choose a home warranty plan that most closely matches your budget and your individual home characteristics. The Paterson home warranty plan that stands out as the best overall is the Choice Home Warranty. With Choice Home Warranty, expect to see a combination of impressive coverage, excellent customer service, and fair pricing. Although we think Choice is one of the best options, it makes sense to get quotes from several different home warranty companies. Having a good idea of the coverages and the pricing available will ensure that you get a great deal on the plan. 

Curious about home warranties in other areas of New Jersey, like Jersey City and Newark or around the U.S.? Check out our articles on Waco, Virginia Beach and Portland for further reading.

Our Rating Methodology 

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

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

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

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we’ve broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

Frequently Asked Questions in Paterson

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

Q.

What Is A Service Fee?

A.

A service fee is a price that you pay when a home warranty issue comes up. If your appliance or system goes down, the service fee should be the only fee that you pay to have a repair completed. Service fees typically range in price from $60 to $150.

Q.

Are New Jersey Home Warranties Worth It?

A.

New Jersey home warranties are well worth the price that you pay. If you experience a break of your water heater or HVAC system that costs you several hundred dollars, it will almost pay for your home warranty with just one instance. Having 12 months of continuous coverage for any issue that comes up will really allow homeowners to feel as though they have control over their home and budget.

Q.

How Much Is A New Jersey Home Warranty?

A.

New Jersey home warranties range in price from around $500 a year to more than $1200 a year. The higher-priced home warranties typically cover more appliances and systems, and they may be for a bigger home. In addition, if you include add-on coverage options, you can expect to pay quite a bit more.

Q.

What Is A Workmanship Guarantee?

A.

Each time you have a repair or replacement completed for your home warranty, you will have to pay a service fee. If the issue occurs again, a workmanship guarantee will protect you from having to pay another service fee. Workmanship guarantees can be 30 days, or with companies like Cinch Home Services, the guarantee can last 180 days.

Q.

Do Home Warranties Cover Replacement Costs?

A.

Home warranties can cover replacement costs under some home warranty policies. The replacement costs allow for a new appliance or system to be installed. Most home warranty companies do not cover full replacements, and instead, you will still have some fees that you must pay, but overall the replacement costs are beneficial when it comes to large out-of-pocket expenses.