Best Home Warranty Companies in New Jersey (2022)

Living in New Jersey means being close to New York City while still being able to get away and live a more suburban life. New Jersey homeowners have access to beautiful scenery and even a nice slice of the Atlantic Ocean. As great as New Jersey homeownership is, it comes with its fair share of headaches. The best home warranty companies in the industry can be challenging to narrow down. A home warranty tends to be an excellent solution for New Jersey residents looking to ease some of the stresses of homeownership.

In our guide featuring the best home warranty companies in New Jersey, we will give you information on:

• How to choose the best home warranty 
• Why New Jersey homeowners need a home warranty 
• What the best companies in New Jersey are for home warranties
• and much more . . .

Top 5 Best Home Warranty Companies in New Jersey

There are more than 50 home warranty companies in the state of New Jersey. Even though New Jersey is a smaller state, there are plenty of homeowners, and this brings in quite a few home warranty companies. We analyzed things like coverage options, reviews, plan choices, service fees, coverage caps, and more to create a list of the best New Jersey home warranty companies. Here is how the top five plans in New Jersey ranked. 

1. Choice Home Warranty (Best Overall)
2. Select Home Warranty (Most Cost-Effective Plans)
3. American Home Shield (Best Customizable Plans)
4. The Home Service Club (Quickest Service)
5. Liberty Home Guard (Most Trustworthy)

Compare the Best Home Warranty Companies in New Jersey  

1. Choice Home Warranty 

Choice Home Warranty is the best overall home warranty in New Jersey. Choice has 13 years in the industry, and it is known as being very easy to work with. It does not matter if your New Jersey home is more than 50 years old, Choice Home Warranty will still accept your application for a home warranty. Choice’s service contracts are straightforward and will allow you to easily see the coverage on your home. In addition, the overall pricing of the plan is quite fair and does not typically deter people from Choice Home Warranty.

Plans, Cost & Coverage

Choice Home Warranty has two plans for New Jersey homeowners. The two plans options, the Basic Plan and the Total Plan, are both fairly priced plan options with good coverage for both systems and appliances. Choice Home Warranty has coverage caps of $3000 for most of the major systems and appliances. This is higher than most other home warranty policies on the market. The coverage from the Total Plan, offered at $53.00 per month, tends to be the best option for New Jersey homeowners because of the addition of air conditioner 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: 

• Basic Plan ($42 per month): The most cost-effective plan from Choice Home Warranty is the Basic Plan. With the Basic Plan, you get coverage for 13 items, including your plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater.
• Total Plan ($53.33 per month): The Total plan covers all 13 items in the Basic Plan with an additional four items. These items are the clothes washer, dryer, refrigerator, and air conditioner. The Total Plan is just a few extra dollars per month, but the difference in coverage is worth paying for. 
• Add On Options: There are nine total add-on or optional coverages; these include roof leak, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. The optional coverages vary in price but start around $5.00 per month. Pool and spa coverage is a good option for New Jersey homeowners with pools. 

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

For more information, read our Choice Home Warranty Review.

2. Select Home Warranty 

Select Home Warranty is the most cost-effective home warranty provider for New Jersey homeowners. Purchasing a home warranty can sometimes make homeowners worry about the overall costs. The good news is that Select Home Warranty makes sure that you are getting great value for the cost you pay. With close to 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. In addition, the service technicians and repair contractors that you will deal with from Select Home Warranty have been heavily screened and trained to provide the highest quality of workmanship.

Plans, Cost & Coverage

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 $2000. Service fees are the lowest on the market and come in right at $60. 

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Care ($52 per month): The Bronze Care plan from Select Home Warranty covers seven major appliances, including a refrigerator, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. This is a great starter plan for a first-time homebuyer in New Jersey. 
• Gold Care ($52 per month): With the Gold Care plan, there is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Gold Care and Bronze Care are the same prices, but it can be difficult to choose between appliances and systems. 
• Platinum Care ($57 per month): With Platinum Care, homeowners will get 20 covered items, fair coverage caps, and coverage for the roof included for free. The Platinum Care Plan is one of the best values on the home warranty market, the combination of both system and appliance coverage for a fair monthly price is a plan New Jersey homeowners should consider. 
• Add on Options: There are several optional coverages that Select Home Warranty offers as part of its home warranty plans. These will include central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. Having the free roof leak coverage can save you up to $10 per month. 

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.

3. American Home Shield 

American Home Shield is the most customizable provider in the home warranty industry. 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. 

Plans, Cost & Coverage

There are three home warranty plans from American Home Shield; ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldPlatinum Plan is one of the most comprehensive and expensive plans on the market. However, all of the plans from American Home Shield have a customizable service fee that ranges from $75 to $125. If you set the service fee a bit higher, your monthly pricing will be considerably lower. Coverage caps from American Home Shield will range in value, but with the ShieldPlatinum plan, you will have no limit on systems and a $6,000 limit on appliances. With ShieldPlatinum, you can expect the highest coverage caps. 

Here’s a detailed look at American Home Shield’s coverage: 

• ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. For the depth of coverage offered on each of these systems, ShieldSilver is a great value. 
• ShieldGold™ ($49.99 per month): The ShieldGold plan covers 23 home systems and appliances, including the coverage from ShieldSilver, plus a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. With ShieldGold, New Jersey homeowners will get coverage on the most expensive items in the home to repair and replace.  
• ShieldPlatinum™ ($64.99  per month): ShieldPlatinum has 27 systems and appliances included as part of the plan. With the ShieldPlatinum plan, there are other benefits like higher or nonexistent coverage caps and even a $1,000 homeowners insurance deductible credit. This is a very thorough home warranty plan for customers to consider. 
• Add-On Options: The add-on coverages included as part of the American Home Shield plans are septic system, pool, spa, PC, TV, and well pump coverage. With the customization options from American Home Shield, you can put together a plan that works specifically for the needs of your home.  

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.

4. The Home Service Club

The Home Service Club offers the quickest coverage for a New Jersey home warranty. 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. 

Plans, Cost & Coverage

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: 

• Standard Coverage ($50 per month): With the Standard Coverage plan, there are 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. A total of 18 coverages as part of a basic plan is a very fairly priced home warranty plan. 
• Comprehensive Coverage ($63.00 per month): Comprehensive Coverage has about fifteen more covered items than Standard Coverage. These additional items include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. Some of the comprehensive coverages may seem more minor than the large systems and appliances covered under standard, but coverage on something like ductwork and plumbing stoppages can help save you a lot of money.
• Add-On Options: The Home Service Club offers 12 additional or add-on coverages as an addition to their home warranty plans. Some of the most popular add-ons are well pumps, service lines, plumbing sprinklers, spa,spa heaters, free-standing freezers, water softeners, and more. With the impressive coverage of the Comprehensive Coverage plan, you may or may not find the need for add-on coverages. 

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. 

5. Liberty Home Guard 

Liberty Home Guard is the most trustworthy home warranty 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.

Plans, Cost & Coverage

The three plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty Home Guard offers the traditional range of options where customers can choose between system or appliance coverage. However, Total Home Guard has coverage for both systems and appliances tends to be a perfect solution for New Jersey homeowners. Coverage caps from Liberty Home Guard typically fall in the $1500 range, slightly above the industry average. The service fee is very fairly priced at just $75. 

Here’s a detailed look at Liberty Home Guard’s coverage: 

• Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard will cover 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. This is a great starter plan for a New Jersey homeowner that is trying to determine the value of a home warranty plan. 
• Systems Guard ($69.99 per month): With Systems Guard, there are nine systems included. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. The Systems Guard plan is slightly more expensive, but the coverages included have higher costs to fix.
• Total Home Guard ($74.99 per month): The Total Home Guard plan is the comprehensive plan from LHG and the most popular. The Total Home Guard plan covers a total of 20 home systems and appliances. This is the most comprehensive option from Liberty Home Guard and a very popular choice for New Jersey homeowners.
• Optional add-ons:  Liberty Home Guard plans have the best add-on coverage on the market. Some coverages include gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. If your New Jersey home has unique features and you are worried about finding the proper coverage, Liberty Home Guard can help.

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.

How to Find The Best Home Warranty in New Jersey

Now that you have a list of the top five home warranties in the state of New Jersey, it’s time to start narrowing things down to get you the exact plan for your home. When comparing one home warranty company to another, try to look at coverage choices, service fees, and customer reviews.  

Coverage Choices

Each home is different. Some may have two refrigerators, and others may not have any laundry room appliances. Take a look at the areas of your home that need coverage the most, and choose a home warranty plan that can deliver exactly what you need as part of one of their plan choices. 

Service Fees

The service fees associated with the New Jersey home warranties will help determine the overall affordability of the plan. In addition to comparing service fees, make sure to consider the workmanship guarantee. 

Customer Reviews

Customers typically only review a company when they have a great experience or a terrible one. Reading through some customer reviews can give you a better idea of how the company is once you have become one of their customers. 

What is a Home Warranty and How Does it Work?

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.

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. 

Top Home Maintenance Problems in New Jersey

New Jersey homeowners know that there is quite a bit of weather that you must be prepared for in the course of a year. The change of season from summer to winter is extreme in the state of New Jersey. This means that your home must have working systems and appliances in place at all times. Three home maintenance problems that New Jersey homeowners tend to deal with include water heater issues, HVAC problems, and electrical system breakdowns. Let’s take a look at how your home warranty policy could help in these situations. 

• Electrical System: The electrical system ensures that all other appliances and systems in the home are in good working order. Most of the time, electricians charge at least $100 just to come and assess the issue. With a home warranty in place, the entire electric system repair will only cost you the service fee. 
• HVAC: The HVAC system is a must-have during a New Jersey summer. The major problem with HVAC is that it is costly to repair; one part could be hundreds of dollars. Again the home warranty will limit the expense to a service fee. 
• Water Heater: The water heater is necessary all year round, and it is something that most homeowners rely on every day. The water heater can cause quite a bit of damage to a home if it starts leaking. Some home warranty companies offer emergency service for issues like this. 

How Much Does a Home Warranty Cost? 

A home warranty costs between $45 and $65 a month. The average annual costs will be from $480 to $780 a year. New Jersey homeowners must consider three important things when choosing a plan: monthly fees, coverage caps, and service fees. All home warranty providers have service fees that will range from $60 to $150, with an average of around $85. Coverage caps can be as low as $100 and as high as $6000. You will want coverage caps around $2000 for average home appliances and systems most of the time. Take advantage of sign-on incentives offered by home warranty companies when you sign up for a home warranty policy. 

What Does a New Jersey Home Warranty Cover?

A home warranty will cover wear and tear on home systems and appliances. The home warranty plan will cover systems and appliances, plus 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, roof leak repair, sprinkler systems, sewer line, pest control, septic system, and many others. Not all homes need add-on coverage, but these will increase the price of your home warranty policy. 

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. 

Our Conclusion

Hopefully, you feel that a New Jersey home warranty is now a bit easier to choose. There are so many great things about each of these five companies that you really can’t go wrong. However, Choice Home Warranty stands out as the best overall option on the market. With the simplicity of the plans, the number of years in the industry, and the easy sign-up process, the Choice Home Warranty plan gets you the coverage and support that you need for your home. It is 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. 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

• Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
• Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
• Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
• Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
• Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
• Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
• Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.