Home > Home Warranty > Best Home Warranty Companies in New Jersey (2023)

Best Home Warranty Companies in New Jersey (2023)

Updated Jan 10, 2023

Updated Jan 10, 2023

Home > Home Warranty > Best Home Warranty Companies in New Jersey (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.

Top 6 Best Home Warranty Companies in New Jersey (2023)

  1. Choice Home WarrantyBest 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
  6. Cinch Home Services: Best Workmanship Guarantee

Compare the Best Home Warranties in NJ

Superlative
Star Rating
Monthly Cost
Service Fee
Response Time
Payout Limit (per item)
States Not Covered
Best Overall
$46–$55
$85
24-48 hrs.
$3,000
WA
Most Cost-Effective
$52–$58
$60
24-48 hrs.
$250-$3,000
WA,NV,WY,NM
Most Customizable
$35–$75
$75–$125
24-72 hrs.
$6,000
AK
Quickest Service
$50-$63
$60-$90
12-48 hrs.
$500-$2,000
Most Trustworthy
$70-$80
$75
12-48 hrs.
$500-$2,000
WA,WI

What to Look for in a New Jersey Home Warranty

  • Monthly premiums: According to a House Method nationwide survey, the average cost of a home warranty in New Jersey is around $670 per year. Some leading providers offer major discounts and overall lower plan prices for policyholders who opt to pay annually rather than monthly.
  • Customer reviews: The best way to predict what your experience with a home warranty company will be like is through input from current policyholders. Positive review trends like low histories of claim denials and strong customer support channels are signs of a reputable provider.
  • Coverage limits: Across the home warranty industry, the average annual coverage limit sits at around $3,072. It’s always a good idea to prioritize providers with higher coverage caps, which minimizes the risk of having to pay anything out of pocket in the event of expensive repairs or replacements.

Why Trust House Method

  • 63 companies reviewed
  • 41 key factors analyzed
  • 2,583 data points parsed
  • 885 homeowners surveyed
  • 57 service contracts scrutinized

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.

Choice Home Warranty — Best Overall

  • Average Annual Cost: $504-$639.96
  • Response Time: Up to 48 hours
Best Overall
Choice Home Warranty
  • 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

Why We Chose Choice Home Warranty

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.

Pros and Cons of Choice Home Warranty

Pros

  • Has over 15,000 bonded and insured service technicians within its internal contractor network.
  • Covers up to $3,000 per appliance or system each year
  • Won’t charge repeat service fees for issues that recur within 60 days of the initial repair
  • Headquartered in Edison, New Jersey

Cons

  • Minimal plan customizability beyond add-ons

Plans and Pricing

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:

  • Basic Plan ($42 per month): The most cost-effective option from Choice Home Warranty is the Basic Plan, which is Choice’s appliance 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.

Additional Coverage

There are ten total additional coverage options offered by Choice Home Warranty, including:

  • Pool and spa (for in-ground set-ups only) — $15 per month or $180 per year
  • Roof leak repairs (for single-family homes only) — $5.83 per month or $70 per year
  • Central vacuum — $3.33 per month or $40 per year
  • Septic systems — $10 per month or $120 per year
  • Septic tank pumping — $5.42 per month or $65 per year
  • Sprinkler systems — $8.33 per month or $100 per year
  • Standalone freezers — $3.33 per month or $40 per year
  • Second refrigerators — $3.33 per month or $40 per year
  • Sump pumps — $3.33 per month or $40 per year
  • Well pumps — $8.33 per month or $100 per year

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.

Select Home Warranty — Most Cost-Effective

  • Average Annual Cost: $624-$684
  • Response Time: Up to 48 hours
Most Cost-Effective
Select Home Warranty
  • 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

Why We Chose Select Home Warranty

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.

Pros and Cons of Select Home Warranty

Pros

  • Based in Mahwah, New Jersey
  • Only charges a $60 service call fee — $16 below the industry average
  • Never denies coverage based on the age, make, or model of a covered appliance or system
  • Free roof leak protection for all plan levels (a $99 value)

Cons

  • No technician customizability
  • Claims for any appliance or system issue must be filed within 3 days of discovery

Plans and Pricing

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.

  • 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 Bronze covers appliances and Gold is the systems plan for those who don’t need home protection for appliances.
  • 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.

Additional Coverage

There are several optional coverages that Select Home Warranty offers as part of its home warranty plans, including:

  • Standalone freezers — $3.33 per month
  • Second refrigerators — $3.33 per month
  • In-ground pools — $8.33 per month
  • In-ground spas — $5.83 per month
  • Septic systems — $5.83 per month
  • Sump pumps — $3.33 per month
  • Well pumps — $3.33 per month
  • Lawn sprinkler systems — $5.83 per month
  • Central vacuum — $3.33 per month
  • Roof leak repairs — $0 per month (automatically included but must be selected as an add-on at checkout)

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.

American Home Shield — Best Customizable Plans

  • Average Annual Cost: $419.88-$779.88
  • Response Time: Up to 48 hours
Most Customizable
American Home Shield
  • 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

Why We Chose American Home Shield

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.

Pros and Cons of American Home Shield

Pros

  • Guarantees coverage for undetectable pre-existing conditions or any defects that decade a visual or simple mechanical test.
  • Pays for the cost to dismantle and remove defective appliances or systems.
  • Service fee is adjustable between three fixed options of $75, $100, or $125
  • Offers three coverage tiers specifically for real estate transactions

Cons

  • Workmanship warranty is two months shorter than the industry average
  • Cancellation fee is required for contract terminations after the first 30 days

Plans and Pricing

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:

  • 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, water dispenser, 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.

Additional Coverage

The add-on coverages included as part of the American Home Shield plans include

  • Roof leak protection — $10 per month
  • Well pumps — $8 per month
  • Septic pumps — $5 per month
  • Pools and spas — $24 per month
  • Electronics protection plan — $14 per month
  • Guest unit — $15.99 per month

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.

The Home Service Club — Quickest Service

  • Average Annual Cost: $600-$756
  • Response Time: Within 24 hours
Quickest Service
The Home Service Club
  • Offers 2 plans + optional add-ons for over 10 items
  • Covers items regardless of their age, make, or model
  • Provides high coverage caps on essential systems and appliances
  • Has real estate home warranty plans

Why We Chose The Home Service Club

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.

Pros and Cons of The Home Service Club

Pros

  • Offers different deductible levels for your home warranty plan to provide flexibility
  • Will contact a technician within 12 hours of your initial service request during normal business hours
  • Offers expedited service for emergency appliances and system failures (ex. no functional heating during the winter months)
  • Has a solid network of over 10,000 service technicians nationwide.

Cons

  • Is not actively accredited by the Better Business Bureau (BBB)
  • Charges a $55 fee to maintain your coverage while moving to a different property

Plans and Pricing

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.

Additional Coverage

The Home Service Club also offers 12 additional or add-on coverages as an addition to their home warranty plans. These options include:

  • Roof leak repairs — $199.95 per year
  • Sewage ejector pumps — $99.95 per year
  • Jetted bathtubs — $199.95 per year
  • In-ground pools and spas — $199.95 per year
  • Refrigerators with dual compressors (includes built-in fridges and fridges with top freezers, bottom
  • Freezers, and french doors) — $225.95 per year
  • Second freezer — $59.95 per year
  • Second refrigerator — $59.95 per year
  • Second dishwasher — $59.95 per year
  • Second water heater — $149.95 per year
  • Sprinkler system — $114.95 per year
  • Utility line coverage (includes outside water lines, gas lines, sewer lines, electric lines, grinder pumps, and sprinkler systems) — $249.95 per year
  • Well pumps — $129.95 per year

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. 

Liberty Home Guard — Most Trustworthy

  • Average Annual Cost: $779.88 – $899.88
  • Response Time: Within 24 hours
Most Trustworthy
Liberty Home Guard
  • 3 plans ranging $65-$125 with 25+ 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

Why We Chose Liberty Home Guard

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.

Pros and Cons of Liberty Home Guard

Pros

  • Guarantees to have technician on-site within 24-48 hours for a preliminary diagnosis.
  • An excellent choice for those who need septic system coverage.
  • New joiners will receive two free bonus months of coverage and an additional $200 off
  • Only top-rated provider with an A- rating from the Better Business Bureau.

Cons

  • Add-on options can quickly become expensive
  • Lower coverage caps on some appliances and systems

Plans and Pricing

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:

  • 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 complete home protection 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.

Additional Coverage

Liberty Home Guard has the most exhaustive list of add-on coverage items on the market, including:

  • Re-keying (cover re-keys for two lock cylinders per contract term) — $9.99 per month
  • Reverse osmosis filter systems — $14.99 per month
  • Septic system pumping — $12.99 per month
  • Sewage ejector pumps — $14.99
  • Sprinkler systems — $9.99 per month
  • Standalone freezers — $5.99 per month
  • Built-in ice-makers — $3.99 per month
  • Second refrigerators — $7.99 per month
  • Wine coolers — $11.99 per month
  • Sump pumps — $8.99 per month
  • TV mounting (for up to 65-inch or 85-inch TVs) — $19.99 per month
  • Water softener — $13.99 per month
  • Well pumps — $12.99 per month
  • Window washing (does not include interior cleaning) — $19.99 per month
  • Carpet cleaning — $19.99 per month
  • Central vacuum — $8.99 per month
  • Electronic protection — $19.99 per month
  • Grinder pumps — $14.99 per month
  • Guest unit coverage (up to 750 square feet) — $35.99 per month
  • Gutter cleaning — $14.99 per month
  • Instant hot water dispensers — $9.99 per month
  • Light fixtures — $7.99 per month
  • Limited roof leak coverage (only applies to patching over occupied areas of single-family homes) — $11.99
  • Pest control — $14.99 per month
  • Plumbing fixtures — $7.99 per month
  • Pools and spas (includes chlorine and saltwater set-ups) — $19.99 per month
  • Power washing for exterior flooring (includes driveways, walkways, decks, patios, etc.) — $19.99 per month
  • Pro-series kitchen and laundry appliances (exclusively for professional-grade appliances with luxury features) — $11.99 per month

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.

Cinch Home Services — Best Workmanship Guarantee

  • Average Annual Cost: $636
  • Response Time: 24-48 hours
Best Workmanship Guarantee
Cinch Home Services
  • Offers 3 plans under $62 per month
  • Allows customers to choose between a $100, $125, or $150 service call fee
  • Covers repairs with a 180-day workmanship guarantee
  • Lets customers cancel for free within 30 days of their contract start day

Why We Chose Cinch Home Services

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.

Pros and Cons of Cinch Home Services

Pros

  • Backs all repair work done by its contractors for double the time that competing providers do.
  • Has an internal network of over 18,000 licensed service technicians across the U.S.
  • Policyholders have access to up to 30% off retail prices of new appliances and systems

Cons

  • Limited range of optional coverage add-ons
  • No roof leak protection

Plans and Pricing

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:

  • Appliances Plan ($44.99-$57.99 per month): Covers a total of 12 laundry and kitchen appliances, such as clothes washers and dryers, cooktops, dishwashers, built-in microwaves, refrigerators, built-in trash compactors, and more.
  • Built-In Systems Plan ($32.99-$57.99): Includes 25 systems and related features such as HVAC (geothermal, central, package units, floor furnaces, etc.), electrical systems, smoke detectors, ceiling fans, central vacuum, light fixtures, plumbing, water heaters, and much more.
  • Complete Home Plan ($39.99-$67.99 per month): Covers all systems, appliances, and automatic benefits included in the aforementioned plans.

Additional Coverage

  • Septic tank and related pumping — $4.58 per month
  • Well pump — $12.50 per month
  • Pool (includes heater) — $22 per month
  • Spa (includes heater) — $22 per month
  • Premier Upgrade Package (coverage for permits and code upgrades) — $12.50 per month

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.

Local Home Warranty Companies in New Jersey

How Much Does a Home Warranty in New Jersey Cost?

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.

Overall$774.54
Single Family$638.07
Multi Family$1,162.53
Townhome$533.05
Condo$645.50
Duplex$968.90
Home Over 5,000 sq ft$1,294.73
Home Over 5,000 sq ft$711.44

Compare the Best Home Warranty Companies in New Jersey

Home Warranty CompanyChoice Home WarrantySelect Home WarrantyAmerican Home ShieldThe Home Service ClubLiberty Home Guard
Our Rating9.79.59.69.49.3
Best ForBest OverallMost Cost-Effective PlansBest Customization OptionsFastest ServiceMost Trustworthy
Average Cost$50 per month$60 per month$45 per month$56 per month$70 per month
Service Fee$85$75$75-$125$75$60
Annual Limit$3,000$2,000$3,000 to unlimited$350-$2,000$2,000-$2,500
Average Response TimeUp to 48 hoursUp to 48 hoursUp to 48 hoursWithin 24 hoursWithin 24 hours
State Availability49 States46 States49 States50 States47 States
Online Chat / Mobile AppNoNoNoNoOnline Chat
QuoteGet QuoteGet QuoteGet QuoteGet QuoteGet Quote

Final Thoughts

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.

What is a Home Warranty?

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.

Home Warranty vs. Homeowners Insurance

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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How Does a Home Warranty in NJ Work?

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:

  • Identify an issue in your home that is covered by your warranty
  • File a claim and request service
  • Wait for your service technician to arrive and correct the issue
  • Pay your service fee

What Does a Home Warranty Cover?

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.

What is Not Covered by a Home Warranty in New Jersey?

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.

Biggest Complaints about Home Warranty Companies in New Jersey

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.

Frequently Asked Questions about New Jersey Home Warranties

Below, we’ll answer some of the most common questions we get about home warranties and their overall value in New Jersey.

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 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.

Who needs a home warranty?

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.

Why is a home warranty necessary?

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.

What is a service fee?

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.

What home warranties cover HVAC systems?

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.

House Method Home Warranty Ranking Methodology

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:

  • Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
  • Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
  • Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
  • Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
  • Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.

Home Warranty Availability

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