Best Home Warranties in New Jersey

How much does a home warranty cost in New Jersey?

After collecting quotes from 22 national home warranty companies, we found that home warranties typically cost from $30 to $90 a month.

How much you end up paying depends on the coverage and company you choose. Most companies offer multiple plans, with higher prices for more covered systems and appliances. That means the more you get in coverage, the more you’ll pay.

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How to find the best home warranty company in New Jersey

The right home warranty company for you depends on what you’re looking for out of your coverage, the area you live in and the details of your home.

If you live along the Jersey Shore, like in Asbury Park or Cape May, you may want to prioritize a home warranty plan that covers your home against corrosion. However, if you live more inland, like in Trenton, you may be more worried about the general condition of your appliances. In that case, a basic plan might fit your needs better.

In addition to climate concerns, you’ll also want to consider whether a company has a good history in the area. Because you’re likely buying a warranty to help cover the cost of repairs or replacements, it’s important that you choose a provider with a positive track record of paying out claims and completing repairs in a reasonable time.

What New Jerseyans say about home warranties

Home warranty reviewers from New Jersey regularly point to four make-or-break factors — response time, clarity of coverage, seasonal urgency and waiting periods — when determining whether a home warranty is worth it.

As Millicent in North Brunswick experienced, a good warranty company will triage appropriately based on weather and climate: “The customer service rep Jonathan, told me that prioritization of AC claims in the summer is by design in their system.”

Another thing to consider: Make sure a company’s contractor network is strong enough to handle less common repairs.

Home warranty regulations in New Jersey

Home warranty companies in New Jersey are regulated by the state’s Division of Consumer Affairs. If you think a company hasn’t held up its end of the contract, you can file a report with the Division of Consumer Affairs online or by calling.

Trying to understand a bad contract can feel overwhelming, which is why New Jersey law requires that all contracts are “written in a simple, clear, understandable, and easily readable way.” Most of the other terms laid out in New Jersey’s Service Contracts Act are fairly standard, defining various words for legal purposes and establishing cancellation policies that companies must adhere to.

If you’re buying a new home in New Jersey, you will receive a home warranty as part of the closing process, but these warranties are different from most home warranties available for older homes.

A new home warranty in New Jersey protects your home from defects in materials and workmanship for one year and from defects in design and installation of the heating, air conditioning, plumbing and electrical systems for two years. It also includes 10 years of coverage against major structural defects. Check with the New Jersey Department of Community Affairs for more information.

This coverage is different enough that you may still want to buy a traditional home warranty but similar enough that you should make sure you’re not paying for coverage you already have. Generally speaking, once your home is at least two years old, you shouldn’t have this problem, though.