Updated Jan 10, 2023
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A New Jersey home warranty is a renewable service contract that protects homeowners from the cost of repairing or replacing their essential appliances and systems. No matter the provider you sign up with, home warranties will only cover breakdowns caused by normal wear and tear.
We surveyed 1,005 homeowners nationwide and used that data to create a rating system that weighs each home warranty company’s average pricing, plan-by-plan coverage, financial strength, and more.
Read on for the top six best home warranty companies in New Jersey.
Why Trust House Method
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
As our top provider pick, House Method scored Choice Home Warranty (CHW) with 4.9 out of 5 stars and named it the best overall home warranty option in New Jersey. Choice Home Warranty sets itself apart from the competition with low average premiums, coverage that extends to appliances and systems of any age, and generous $3,000 per-item annual payout limits.
With 14 years on the home warranty marketplace, CHW has mastered a policy framework that ensures homeowners have access to comprehensive coverage, no matter the plan level. We did notice, however, that Choice only offers air conditioning coverage in its second-tier Total Plan. Given that the Total Plan is only about $8 more than the Basic Plan, we advise homeowners to go for the more comprehensive option, even if only for the sake of A/C coverage.
Choice Home Warranty has two plans for New Jersey homeowners: the Basic Plan and the Total Plan. Both levels are fairly priced, with combined coverage for systems and appliances. The Total Plan, offered at $53 per month, is the best option for New Jersey homeowners because of the addition of air conditioning system coverage. Service fees from Choice Home Warranty are $85 for both the Basic Plan and the Total Plan.
Here’s a detailed look at Choice Home Warranty’s coverage:
There are ten total additional coverage options offered by Choice Home Warranty, including:
Our runner-up recommendation, we scored Select Home Warranty (SHW) with 4.8 out of 5 stars and named it the most cost-effective home warranty option on the market. According to our homeowner survey, 33% of participants marked cost as the most important detail of a home warranty. We particularly recommend Select Home Warranty for first-time home buyers or anyone with a tight home maintenance budget.
With over ten years in the home warranty industry, Select Home Warranty has maintained a B rating with the BBB. Each plan from Select Home Warranty comes with free roof leak coverage.
All service technicians recruited through Select Home Warranty have undergone careful screening to ensure they can provide the highest quality workmanship.
Select Home Warranty has three plan options for New Jersey homeowners. Select Home Warranty’s plans try to keep pricing in check while also giving homeowners the coverage that they need. When reviewing the plans, you will quickly see that the Platinum Care plan offered at $57 per month is the best overall option; it comes with a combination of both system and appliance coverage. Coverage caps from Select Home Warranty will range in price from $500 to $2,000. Service fees are the lowest on the market and come in right at $60.
There are several optional coverages that Select Home Warranty offers as part of its home warranty plans, including:
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
For more information, read our Select Home Warranty Review.
House Method scored American Home Shield (AHS) with 4.7 out 5 stars, nominating it as the most customizable home warranty option in New Jersey. New Jersey homes can be quite unique, and having a home warranty plan that allows you to customize the coverage to the specific needs of your home is a great benefit.
American Home Shield has been in the market for more than 50 years. American Home Shield plans have higher coverage caps and limits than any other plan on the market. This means that if your home has high-end appliances or luxury systems, you will end up with more protection for your home.
There are three home warranty plans available through American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldPlatinum is the most comprehensive option of the bunch and includes a $6,000 annual coverage cap per each included appliance and system. All of the plans from American Home Shield have a customizable service fee that ranges from $75 to $125.
Here’s a detailed look at American Home Shield’s coverage:
The add-on coverages included as part of the American Home Shield plans include
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
For more information, read our American Home Shield Warranty Review.
Our team of home warranty specialists marked The Home Service Club with a 4.6 out of 5 stars. Most of these providers’ points were garnered for having the quicket home warranties service in the industry. When New Jersey homeowners sign up for The Home Service Club, coverage will begin just ten days later. Most home warranty companies require a 30-day waiting period before the start of the plan.
In addition, The Home Service Club does not require homeowners to have an inspection before the start of the policy. This home warranty plan has been on the market for more than 13 years and offers coverage in every state. If you need to transfer your plan from one home to the next, The Home Service Club makes it quick and easy.
There are two home warranty plans from The Home Service Club, Standard Coverage and Comprehensive Coverage. For a basic plan, the Standard Coverage plan is very thorough and has 17 covered items. These will include both systems and appliances. Coverage caps from The Home Service Club are typically between $500 and $2000. This is another home warranty provider that has customizable service fees. The fees will range in price from $65 to $125 and will directly impact the monthly pricing of your home warranty policy. In our chart below, the prices are based on a $95 service fee.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club also offers 12 additional or add-on coverages as an addition to their home warranty plans. These options include:
To get a free quote from The Home Service Club, fill out this online form.
For more information, read our The Home Service Club Review.
Our research team scored Liberty Home Guard with 4.5 out of 5 stars, titling it the most trustworthy home warranty company in New Jersey. Liberty Home Guard has only been around for two years, yet they have been able to get their BBB rating to an A. This is an impressive feat and something that helps them stand out as the most trustworthy New Jersey home warranty company.
You will quickly notice that Liberty Home Guard has modern systems and communication in place; it is an easy company to work with and will get your home warranty issues handled in a speedy manner. The coverage options from Liberty Home Guard are quite broad, making it a good fit for the homeowner that has a luxury or high-end home.
Homeowners in New Jersey can choose one of three plans offered by Liberty Home Guard. Appliance Guard and Systems Guard are appliance-only and systems-only value plans that are available for customers with minimal coverage needs. Total Home Guard, however, is LHG’s comprehensive two-for-one option for homeowners in search of whole-house protection. And the base plans are just the beginning! Homeowners can also choose from an extensive list of 41+ add-on plan options, with unique extras like coverage for pro-series appliances and window washing. Liberty Home Guard’s coverage limits are fair, with most falling around the $2,000 mark. Its required service fee is $75, slightly below the industry average.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard has the most exhaustive list of add-on coverage items on the market, including:
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Read our Liberty Home Guard review for more information.
We scored Cinch Home Services with 4.4 out of 5 stars and dubbed it the best workmanship guarantee in a home warranty. Compared to the industry-average workmanship warranty of 90 days, Cinch backs all repairs and repairs for double that — 180 days. In other words, should you experience any recurring issues with your appliances or systems post-repair, Cinch will automatically assume the deductible and repeat service costs to revisit the breakdown.
Cinch Home Warranty is among the oldest providers on the home warranty market, boasting over 40 years of industry experience. Cinch also stands out from its competitors for its willingness to cover damage caused by rust, corrosion, and undetected pre-existing conditions. On the other hand, Cinch plans offer no roof leak protection, an important consideration for homeowners in a state that experiences seasonal inclement and severe weather.
Cinch Home Services divides its standard coverage into three base plan options: an Appliances plan, Built-in Systems plan, and Complete Home plan. Unlike most providers, Cinch operates under an aggregate annual coverage limit of $10,000. This means policyholders can submit as many claims as they need, so long as the collective cost doesn’t exceed that set limit. Enrollment with Cinch also includes $1,000 per year in reimbursements for home insurance deductibles.
Here’s a detailed look at Cinch Home Service’s coverage:
For more information about CHS, read our full Cinch Home Services review.
To get a free quote from Cinch Home Services, fill out this form or call 833-743-1056.
Based on the data from our nationwide study of the cost of home warranties in each state, a New Jersey home warranty costs an average of $670 per year, or $56 per month. New Jersey homeowners must consider three important factors when choosing a plan: monthly fees, coverage caps, and service fees. All home warranty providers have service fees that range from $60 to $150, with an average of around $85. Coverage caps can be as low as $100 and as high as $6,000. You will want coverage caps around $2,000 for average home appliances and systems most of the time.
|Home Over 5,000 sq ft||$1,294.73|
|Home Over 5,000 sq ft||$711.44|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost-Effective Plans||Best Customization Options||Fastest Service||Most Trustworthy|
|Average Cost||$50 per month||$60 per month||$45 per month||$56 per month||$70 per month|
|Annual Limit||$3,000||$2,000||$3,000 to unlimited||$350-$2,000||$2,000-$2,500|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||49 States||46 States||49 States||50 States||47 States|
|Online Chat / Mobile App||No||No||No||No||Online Chat|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
Home warranties are generally considered a worthwhile investment in New Jersey, and it’s easy to see how they save you money if you consider your out-of-pocket costs with and without one.
For example, the average call to a plumber will total around $325. A typical call to an HVAC tech or an electrician for routine issues will be around $275. If any of these systems need major repairs, you could easily be looking at unexpected costs of over $1,000. Similarly, a routine fridge repair averages around $300, and replacement — in the case of a total breakdown — can top $3,000 in some cases.
If you don’t have a home warranty when dealing with these issues, you’re looking at massive amounts of money out of pocket at unexpected times, which can throw off your budget and limit your ability to save according to your plan. If you do have a home warranty, you’ll instead pay an average of $85 for each issue, which can save you far more than the cost of the plan over time.
Choice Home Warranty stands out as the best overall option on the market. With the simplicity of its plans, number of years in the industry, and easy sign-up process, the Choice Home Warranty plan gets you the coverage and support that you need for your home. It’s smart to get a few quotes for these home warranty plans and ensure that you are getting the exact coverage that you need for your New Jersey home.
A home warranty is a protection plan for your home systems and appliances. New Jersey homeowners typically have a budget that they like to stick to every month, and a home appliance or system repair can throw off the budget. Home warranty plans start about 30 days after the first payment is made, and they generally renew on a one-year basis. Most home warranty companies will start your coverage with no home inspection, as long as there are no pre-existing conditions.
Home warranties typically require an annual fee, and each claim you make through your home warranty will also require a service call fee, which averages around $85. It’s important to note that most home warranties have coverage caps, which is the maximum amount of home repairs or replacements they will cover before cutting off assistance.
Many homeowners compare home warranties and home insurance policies because they both offer protection for your home. However, there are a few significant differences to note between the two.
First, homeowners insurance is a general policy that covers your entire home. Most of the time, a large amount of damage needs to be done before the policy will kick in. On the other hand, a home warranty covers individual systems and appliances. It’s not a general policy, so claims can be made much more often.
Second, homeowners insurance usually only applies in the case of a natural disaster or catastrophe. For example, it will cover damages caused by earthquakes, floods, and fires, but it won’t cover less severe issues. Home warranty coverage kicks in and pays for repairs and replacement in much less severe conditions, like when something breaks down due to old age or excess strain.
Finally, the amount you pay out of pocket when you need a repair or replacement differs greatly between home insurance and home warranties. Homeowners insurance policies often have a deductible in the thousands of dollars, which means you’ll pay quite a lot before the coverage takes over. For a home warranty, you pay a service fee, which averages around $85, and the rest of the cost is typically covered by the policy.
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When your home warranty is in place, you can simply file a claim when you need to use it. Most modern home warranty companies have an online portal system that allows you to submit the details of your request and check on the progress. The home warranty company will assign your issue to a local repair person or contractor. Homeowners will pay a service fee to have the issue looked at and repaired. Most service fees are between $60 and $150, and they should be the only out-of-pocket expenses for a homeowner with a home warranty.
The process is broken down and simplified below:
Home warranty coverage varies among service providers and plans. Most plans offer protection for appliances or home systems, and some comprehensive plans cover both. Additionally, most providers offer add-on coverages that aren’t categorized into these two groups.
Some appliances typically included in a home warranty plan include a refrigerator, microwave, dishwasher, dryer, oven, stovetop, and more. System coverage from a home warranty plan can include heating, air conditioning, plumbing, plumbing stoppages, electrical, water heater, sump pump, ductwork, and more. Add-on coverages will include pool, spa, limited roof leak repair, sprinkler systems, sewer line, pest control, septic system, smoke detectors, and many others. Not all homes need add-on coverage, but these will increase the price of your home warranty policy.
It’s important to note that some coverage options have exclusions, like liners or jets for pool warranties. Make sure you check your service contract to confirm what is included in your coverage plan.
Home warranty plans are specifically meant to cover normal wear and tear. If you accidentally rip the handle from your microwave, it won’t be covered. In addition, issues related to cosmetic repair, lack of proper maintenance, natural disasters, or pre-existing conditions are also not covered. If you check the fine print of your home warranty policy, it is easy to see what is covered and what is not covered.
The majority of homeowners in New Jersey who get home warranties are pleased with the coverage they receive. However, we do see some complaints more frequently about specific issues.
One of the things we see complaints about often in New Jersey is a failure on the provider’s part to provide what the customer believes to be promised coverage. This can occur if a less reputable company tries to deny coverage to save money. You should always choose a reliable and trusted home warranty company to avoid this issue. Another reason for this issue is a lack of understanding about coverage limitations on the customer’s part. Make sure you read your service contract for exclusions so that you understand what is and isn’t covered.
Another issue we see reported frequently by New Jerseyans is unexpected out-of-pocket costs for repairs or replacements for covered items. Most home warranties have coverage caps, and any repair cost above that amount will be your responsibility. You should check your service contract for coverage caps before signing and go into repairs knowing that you could be on the hook for charges if you reach those limits.
Below, we’ll answer some of the most common questions we get about home warranties and their overall value in New Jersey.
The best home warranty company in New Jersey is Choice Home Warranty. The plan choices, overall pricing, and impressive customer service help Choice stand out as the overall best option in The Garden State. With 14 years in the industry, Choice Home Warranty has quite a bit of experience with any home system or appliance issue that can come up.
Home warranties will benefit most homeowners, as the likelihood is that service calls will be needed on a regular basis in most homes. They are particularly helpful for first-time homebuyers to avoid unexpected charges after closing, real estate sellers who want to avoid out-of-pocket repair costs to appease their buyers, and homeowners who live in aging homes. Houses approaching 40 years old will start to show their age and break down more readily and more often, and a home warranty can reduce your related out-of-pocket costs.
A home warranty is never absolutely necessary like home insurance policies are, but many homeowners will never go without one once they see the benefits they provide. The biggest advantage of having a home warranty is not being surprised by repair or replacement charges for your home appliances or home systems. Warranties will provide peace of mind that your home is covered from damages and unexpected issues, and they also save most homeowners hundreds — if not thousands — of dollars.
A service fee is a flat rate you’ll pay to your home warranty company when you need an appliance or home system repaired or replaced. The average service fee is just $85, which pales in comparison to the typical cost of hiring a plumber, electrician, HVAC repair technician, or appliance specialist.
Most home warranty plans either cover home systems or appliances, and the more comprehensive options cover both. Provided you choose a systems-only plan or one that covers systems and appliances, you should get HVAC coverage. However, it’s always a good idea to check your service contract to confirm that your HVAC equipment is protected.
At House Method, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
Additional New Jersey Home Warranties to Consider