Why Trust House Method
- 63 companies reviewed
- 41 key factors analyzed
- 2583 data points parsed
- 885 homeowners surveyed
- 57 service contracts scrutinized
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 homeowners across the state of New Jersey and used that data to create a rating system in order to rank the best home warranty companies in the Garden State.
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 with 4.9 out of 5 stars and named it the best overall home warranty option in New Jersey. With 14 years in the industry, Choice is widely known for being very easy to work with. It doesn’t 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.
|✓ 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
|X Minimal plan customizability beyond add-ons|
Here’s a detailed look at Choice Home Warranty’s coverage:
There are nine total additional coverage options offered by Choice Home Warranty, including:
Our runner-up recommendation, we scored Select Home Warranty with 4.8 out of 5 stars and named it the most cost-effective home warranty option on the market. Compared to all other leading providers, Select Home Warranty makes sure that you are getting great value for the cost you pay.
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. 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.
|✓ 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)
|X No technician customizability
X Claims for any appliance or system issue must be filed within 3 days of discovery
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 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.
|✓ 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
|X Workmanship warranty is two months shorter than the industry average
X Cancellation fee is required for contract terminations after the first 30 days
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.
|✓ 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.
|X Is not actively accredited by the Better Business Bureau (BBB)
X Charges a $55 fee to maintain your coverage while moving to a different property
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.
|✓ 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.
|X Add-on options can quickly become expensive
X Lower coverage caps on some appliances and systems
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard plans have the best add-on coverage on the market. Some coverages include:
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.
|✓ 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
✓ Includes a $50 Green Reward, which can be used toward energy-efficient home features
|X Limited range of optional coverage add-ons
X No roof leak protection
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.
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.
|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|
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.
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.
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.
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.
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 its customers.
The above criteria are crucial to consider no matter where you live, but there are some additional considerations you should make that are specific to the New Jersey area.
First, you’ll very likely want a home warranty plan that includes coverage for your heating system. New Jersey residents contend with average monthly temperatures below 50 degrees for most of the year. As such, your heating equipment will be under constant stress to perform, which puts it at a greater risk of breaking down.
Second, roof leak protection is a common requirement among most New Jersey homeowners, as the state experiences well above the average annual rainfall. Excessive precipitation can increase the likelihood of leaking, which means warranties that cover roof damage are more valuable in NJ than in many other states.
Finally, the relative humidity tends to be quite high in New Jersey year-round. High humidity levels put added strain on your heating equipment and your refrigerator, which can put them at greater risk of damage. Most New Jersey residents choose home warranties that cover both heating equipment and refrigerators or freezers.
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.
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.
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 charges 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.
For many homeowners, home warranties are worth the investment just for the peace of mind that they won’t be hit with surprise repair charges.
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.
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:
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