
- Plans available
- 2
- Service fees
- $100
- Starting costs
- $46.83
We’ve compared today’s top home warranty companies on ratings and reviews, price, coverage, availability and other factors to determine which are best suited for homeowners in New Jersey. The results: Choice Home Warranty, American Home Shield and Liberty Home Guard are our top picks for homeowners in the Garden State.
Our research team compared dozens of companies and chose our top picks based on factors including available plans, customer reviews, coverage limits and price.
Read our full methodology for details on how we selected the best home warranty companies. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations. Our publishing policy ensures that the journalistic content and user reviews on ConsumerAffairs remain independent of commercial influences.
Company | Customer rating | Starting costs | Service fee | Covered systems | Covered appliances | Available plans | Roof leak coverage? | |
---|---|---|---|---|---|---|---|---|
![]() | 4.0
69,285 reviews
69,285 reviews
| $46.83 | $100 | 9 | 8 | 2 | Add-on | Get a Quote |
![]() | 3.8
106,358 reviews
106,358 reviews
| $29.99 | $100 or $125 | 14 | 9 | 3 | Add-on | Get a Quote |
![]() | 3.2
1,015 reviews
1,015 reviews
| $49.99 | $50 to $125 | 6 | 9 | 3 | Add-on | Get a Quote |
Here are our favorite home warranty companies in New Jersey, based on local reviews and company offerings.
Jump into our guides and start learning
New Jersey doesn’t present many unique issues when it comes to purchasing a home warranty unless you’re purchasing a new home. However, that doesn’t mean you don’t need to research and compare home warranty companies to make an educated decision.
To learn more about home warranties and the buying process, check out our home warranty coverage article.
Home warranty plans typically cost between $30 and $90 per month, depending on the coverage and company.
Jump to insightThe type of coverage you need may depend on your particular location in New Jersey (e.g., corrosion protection near the Jersey Shore).
Jump to insightNew Jersey home warranty companies are regulated by the Division of Consumer Affairs. Any contract a company presents you must be “simple, clear, understandable, and easily readable.
Jump to insightAfter 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.
» MORE: Home warranty costs
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 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.
A home warranty may be worth it, but it’s up to you to decide for your particular situation. While some homeowners end up paying more for their contracts than they would have on repairs, others find that their policy covered more than they spent on it.
Consider your financial situation and the condition of your home to make a smart decision about whether a home warranty is right for you.
Difficulty filing a claim or getting the correct fix is a pretty strong sign that a home warranty company isn’t the right choice.
The primary purpose of having a home warranty is to help pay for home repairs or replacements. If you can’t get a claim taken care of in a reasonable time or if the company tries to avoid paying for covered repairs, you’re not getting your money’s worth.
Compare reviews from existing customers to understand how the customer service and follow-through are for each company you’re considering.
Yes, in general, home warranty coverage is transferable to a second owner. Double-check your contract to be sure.
ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.
To choose the top home warranty companies in New Jersey, we started with the providers listed in our main home warranty guide. First, we narrowed it down to the ones available in New Jersey. We then weighted several key features to get our final rankings:
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
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Company | Customer rating | About | Learn More |
---|---|---|---|
![]() | 4.0
69,285 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
![]() | 4.1
11,847 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Get a Quote |
![]() | 4.2
8,709 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
![]() | 3.8
106,358 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
![]() | 3.7
15,191 reviews
| Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
![]() | 3.5
2,599 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
![]() | 3.2
1,015 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
![]() | 2.6
571 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
![]() | 1.8
1,963 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
![]() | 1.5
2,259 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
![]() | 1.3
297 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
![]() | 1.1
3,992 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
![]() | 1.1
6,679 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
![]() | 1.1
299 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
![]() | 1.2
1,908 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
![]() | 1.0
811 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
![]() | 1.0
380 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
![]() | 1.0
37 reviews
| Home warranties with appliance-only, systems-only and combo plans. Plans start at around $43.75 a month. Provides real-time claim tracking. No home inspection or maintenance records required. | Read reviews |