Best Home Warranty Companies in New Jersey (2021)

By Kelly Boyer Sagert

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. 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

Having a home warranty in place means that you will have peace of mind about any appliance or system repairs or replacements that may come along. A home warranty helps homeowners budget for unexpected expenses and have more peace of mind about homeownership. The best home warranties in the industry can be challenging to narrow down. There are quite a few options out there, and many of them have great features and benefits. If you are frustrated with trying to choose a perfect home warranty, keep reading. 

New Jersey Top 5 Home Warranty Companies

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. American Home Shield: Best Customizable Plans 
  3. Select Home Warranty: Most Cost-Effective Plans 
  4. Liberty Home Guard: Most Trustworthy 
  5. Service Plus Home Warranty: Best for Immediate Service 
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty Select Most Cost-Effective Plans Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Liberty Home Guard Liberty Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A
ServicePlus Home Warranty ServicePlus Best For Immediate Service Gold Plan: $53.67/month

Platinum Plan: $60.33/month

$75 5 NR

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best overall home warranty in the state of New Jersey. Choice has 13 years in the industry, and they are 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. The Choice service contract is straightforward and will allow you to easily see your coverage for your home. In addition, the overall pricing of the plan is quite fair and does not typically deter people from the Choice Home Warranty plan. 

There are two Choice Home Warranty plans to choose from. Each of these plans happens to be a combo plan that has both system and appliance coverage. Many other home warranty companies offer this plan but as a premium choice. If the plans don’t have coverage that you need, you can always look at some of the add-on options that Choice offers its customers. 

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

With Choice Home Warranty, the service fee is going to be $85. When looking at the overall value and affordability of the Choice Home Warranty plan, the $85 fee is quite fair. 

New Jersey residents are lucky to have the Choice Home Warranty plan available to them. With superior workmanship, impressive service, and speedy repairs, Choice Home Warranty makes purchasing a home warranty an easy decision. 

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. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield is the most customizable plan in the home warranty industry. New Jersey homes can be quite unique, and having a home warranty plan that allows you to customize the plan to the specific needs of your home is a great benefit. The American Home Shield company has been in the market for more than 50 years. The American Home Shield plan has 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. 

American Home Shield offers users three plans to choose from. The two comprehensive plans that offer both system and appliance coverage will be the best choice for most homeowners. These plans are again customizable from the standpoint of both coverage and pricing. If your New Jersey home is lucky enough to have a pool and spa, you can add the American Home Shield add-on or additional coverage to your plan. 

Some of the add on coverage that you can get with the American Home Shield warranty includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

The service fee for American Home Shield has fees that range between $75 and $125. You can adjust the monthly payment of your home warranty based on the pricing of the AHS service fees. If the service fees are lower, your monthly pricing will be higher. 

American Home Shield has some of the most premium and comprehensive coverage in the home warranty industry. If you are new to home warranties or have been in the industry for years, the American Home Shield warranty will impress you.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

The Select Home Warranty is the most cost-effective home warranty plan for New Jersey homeowners. Purchasing a home warranty can sometimes make homeowners worry about the overall costs. The good news is that the Select Home Warranty plan 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 trained and guided. 

The Select Home Warranty policy comes with a choice of three different plans. The systems plan, the appliances plan, and then the combo plan. Although the combo plan, also known as the Platinum Plan, is a few dollars more per month, it offers the coverages featured in both other plan choices. Select Home Warranty is known for throwing in the free roof leak coverage, but they do have other add-on choices that you can purchase for a small additional monthly fee. 

The add ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

The service fee for Select Home Warranty is $60. This is one of the lowest on the market and something that will stand out when looking at the overall affordability of the home warranty plan. 

When purchasing a home warranty, it makes sense to consider costs and make sure that you are getting a plan that is a fair value. The Select Home Warranty plan offers some of the best coverage on the market at the lowest price. It won’t take you long to see the benefits of your Select Home Warranty policy start to pay off.

Select Home Warranty will give you a free quote after filling out this form or calling 317-204-4697.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard is the most trustworthy home warranty in the state of New Jersey. The Liberty Home Guard policy 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; they are easy 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 them a good fit for the homeowner that has a luxury or high-end home. 

The three different plans from Liberty Home Guard are similar to those from Select Home Warranty. You will notice there are two lower-priced options for systems and appliances and then a third that is comprehensive of combo plan. The pricing of the Liberty Home Guard plans tends to be a little higher, but the amount of coverage they offer is quite impressive. In addition, Liberty Home Guard has some of the most extensive add-on coverage options on the market. Everything from electronics to gutter cleaning can be added to your home warranty policy. 

The add on coverage from Liberty Home Guard is quite impressive and includes things like:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser 
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

The service fee with Liberty Home Guard is $60. This is as low as it gets in the home warranty industry and should be considered when you look at the plan’s overall value. 

With only two years in the industry, what Liberty Home Guard has been able to do is quite impressive. The more you look at home warranty reviews and customer service issues, you will see that it is no easy feat to earn that A rating with the BBB.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-507-7356. 

To learn more information, visit our Liberty Home Guard review.

5. ServicePlus Home Warranty

Best For Immediate Service

  • Offers 2 plans + optional add-ons
  • Provides a 24/7 claims hotline open 365 days a year
  • Has a 90-day parts guarantee
  • Allows customers to make unlimited service calls

Service Plus Home Warranty is the best New Jersey home warranty for immediate service. When specific systems or appliances break, it is essential to get to the bottom of the issues as quickly as possible. ServicePlus Home Warranty has been on the market for about five years. One of the most important things to remember about ServicePlus is that they offer free roof leak coverage and 24/7 service calls. This is a home warranty that is always available when you need it the most. In addition, the list of coverages is quite extensive from ServicePlus. 

Although the coverages are quite broad, ServicePlus only has two plan options to choose from. The Silver Combo is an affordable choice that covers just a few of the major systems and appliances at your home. Platinum Combo is an extensive plan and has coverage for almost all of the major systems and appliances in the home. In addition, ServicePlus Home Warranty offers impressive add-on options as well. 

The optional coverage choices from ServicePlus Home Warranty includes:

  • Pool / 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 Maker
  • Add’l A/C System (each)
  • Add’l Heading System (each)
  • Water Heater (each)
  • Add’l Garage Door Opener (each)
Plan Price Per Month Price Per Year
Silver Combo $53 $636
Platinum Combo $60 $720

The ServicePlus deductible is $75, which is quite fair considering the overall fair pricing offered by this company. In addition, the service fee will stay the same even when requesting emergency service. 

Although ServicePlus Home Warranty does not have a large number of policy or plan choices to choose from, the coverage they do have is well worth the price you pay. In addition, having the emergency service option will be something you rely on heavily when the time comes. Don’t underestimate the value that emergency service can bring.

To get a free quote from ServicePlus Home Warranty, you can fill out this online form or call 478-210-5091.

New Jersey Home Warranty Buying Guide

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. 

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 the summer to the 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. 

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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, the 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.

See the best home warranty companies in your state

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Frequently Asked Questions About New Jersey Home Warranties

How Much Does A Home Warranty Cost In New Jersey?

New Jersey home warranties will range in price from around $35 a month to more than $80 per month. If you want a smaller plan with minimal coverage you will have that option. In addition, if you think that a premium policy will suit your home better you may pay close to $80 or more per month. The more add-on coverage you attach to the policy, the higher the pricing will be. 

What Does A Home Warranty Cover?

A home warranty will cover everything from your well pump to your garage door opener. The systems and appliances that help your home to function each day are the primary concerns of a home warranty policy. The more coverage you can get for the money the more valuable your plan will feel. 

What Is The Best Home Warranty Company 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 New Jersey. With 13 years in the industry, Choice Home Warranty has quite a bit of experience with any home system or appliance issue that can come up. 

Is A Home Warranty Worth It?

Home warranty policies help homeowners protect their budget and their savings account. Try to think about the situation you would be in if your refrigerator, washer, and plumbing system all needed a repair within a 30 day period. Chances are this could end up costing thousands of dollars. With a home warranty in place, you may only have to pay a few service fees and your plan will handle the rest. 

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