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Best Home Warranties in New Jersey

We compared 33 companies and chose the top home warranty providers

    • Best overall
      Choice Home Warranty
      4.0(73,419)
    • Best value
      American Home Shield
      3.7(109,264)
    • Best coverage variety
      Liberty Home Guard
      4.4(1,422)
    Author picture
    By: Taylor Sansano
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in New Jersey

    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.

    Why trust ConsumerAffairs?
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    Our 4 home warranty company picks in New Jersey

    1. Best overall: Choice Home Warranty
    2. Best value: American Home Shield
    3. Best coverage variety: Liberty Home Guard
    4. Best claims handling: Cinch Home Services

    Our research team vetted home warranty companies that are rated by hundreds of customers in New Jersey. Read our guide to choose the best home warranty in New Jersey for you by comparing plans, contract lengths and service fees.

    Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.

    Our 4 New Jersey home warranty company picks

    Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in New Jersey on ConsumerAffairs.

    Best overall

    Choice Home Warranty

    Choice Home Warranty
    4.0
    73,419 reviews
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty earns our recommendation for fast service, dispatching contractors within four hours for most claims.

    Choice’s plans have covered more than 1 million homes nationwide. All repairs are completed by one of its more than 17,000 trained contractors, and if a repair fails within 30 days, you don’t have to pay another service fee to have it corrected. Discounts are also commonly available.

    What to consider: Choice does not offer the option to pick between systems-only or appliance-only coverage. Service fee flexibility is not available.

    Pros
    • Optional roof leak coverage
    • No transfer fee
    • 24/7 customer service
    Cons
    • $500 roof repair cap
    • No appliance-only or systems-only plan
    • Cannot choose your service fee

    We’ve compared this company’s plans based on select coverage items below.

    Basic plans start at $49.17 per month, and Total plans start at $57.50 per month. Both have a flat $100 service fee. Contracts last one year—expect to pay a $50 cancellation fee if you cancel early. However, you can transfer the contract with no penalty.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    Add-ons and discounts

    • Optional add-ons
      • Ice maker: $2.08
      • Second refrigerator: $3.33
      • Stand-alone freezer: $3.33
      • Sump pump: $3.33
      • Central vacuum: $3.33
      • Septic tank pumping: $5.42
      • Roof leak repair: $5.83
      • Well pump: $8.33
      • Sprinkler system: $8.33
      • Septic system: $10
      • Pool and spa: $15
      • Additional spa: $15
    • Discounts: Reduced premiums with annual payments; free extra month

    New Jersey reviewers say Choice Home Warranty has easy online claims, professional technicians and quick approvals. However, getting Lowe’s gift cards instead of checks for replacements frustrates some.

    “The technician was dispatched to the home at the agreed upon time. He repaired the AC in a timely manner. Problem solved. I found the process to submit the claim quick and easy. I was told who the company was and their contact information to confirm the status of my claim and their arrival window. The company kept me informed of the status of their arrival within 15 minutes.”
    Natalia Sicklerville, NJ
    “AC unit stopped working. Claim started, easy online process. Appt set and was there in the time frame. Technician was polite, professional and addressed the issue. Repair completed within 1 hour.”
    Wendy Woodbury Heights, NJ
    “It was quick and easy and got fixed within a reasonable time frame. Highly recommend Choice Home Warranty company. Have been their customer for 5 years now. Very easy to set up appointments with choice home warranty. Customer service is outstanding.”
    Vanamali Somerset, NJ
    Best value

    American Home Shield

    American Home Shield
    3.7
    109,264 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    American Home Shield earns the top spot because it delivers broad coverage at a competitive price point. Its plans come with high coverage limits, which is great for expensive AC repairs.

    Reviewers often praise the easy-to-use AHS app. Plus, the video-chat feature allows you to troubleshoot with repair experts in real time. If they can solve your problem over the phone, you can save yourself a service fee.

    What to consider: American Home Shield offers fewer add-on options than many competitors.

    Pros
    • Easy claims process
    • High coverage limits
    • Covers rust, corrosion and sediment damage
    • Cancel at any time
    Cons
    • Occasional service delays
    • Relatively high service fees

    We’ve compared this company’s plans based on select coverage items below.

    Base plans from AHS start at $29.99 a month. You can choose a $100 or $125 deductible, but be aware that this affects your monthly cost. All plans have a total limit of $50,000 per agreement term.

    • ShieldSilver ($29.99 or $39.99): Covers 14 major systems, including heating, cooling, electrical and plumbing. This plan has a $5,000 limit per covered HVAC system.
    • ShieldGold ($49.99 or $59.99): Covers 24 appliances and systems, including kitchen and laundry equipment. It also has a $5,000 limit per covered HVAC system and limits each covered appliance to $2,000.
    • SheldPlatinum ($79.99 or $89.99): The most comprehensive plan. It has the same HVAC system limit but raises the annual per-appliance limit to $4,000 and includes roof leak coverage up to $1,000.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $4.99
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: AARP and military service; $50 discount for covering multiple properties

    New Jersey reviewers say AHS offers easy online claims, prompt dispatch in many cases and technicians who explain fixes clearly. However, some complain about long waits for AC service in summer.

    “I've been with American Home Shield for about a decade and submitting a claim online has been very easy. My latest claim was for my refrigerator and the technician who came to fix it addressed the issue and explained what was wrong.”
    Vito Atlantic Highlands, NJ
    “I recently relied on American Home Shield to address an issue with my air conditioning unit. While I initially scheduled the service online, the first company they assigned was not able to come out for ten days, which was quite inconvenient given the sweltering heat. I reached out to American Home Shield by phone, and the rep I spoke with was outstanding. He quickly resolved the issue and arranged for JMV Heating and Air to come out the very next day.”
    Stephanie Manalapan, NJ
    “I had a plumbing issue at my house. Submitting the claim online with AHS was a breeze; the process was straightforward. Before anyone came out, I received all the necessary contractor information.”
    Brian Morristown, NJ
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Best coverage variety

    Liberty Home Guard

    Liberty Home Guard
    4.4
    1,422 reviews
    Plans available
    3
    Service fees
    $50 to $125
    Starting costs
    $49.99
    Labor guarantee
    60-day workmanship warranty
    Get a Quote Read Reviews

    Liberty Home Guard is a leader in flexible plan options, offering an appliance plan, a systems plan, a combo plan and more than 30 add-ons. While long-term contracts can get you a discount, we like that you can also pay monthly and cancel at any time.

    What to consider: There is a $500 cap on plumbing and electrical claims, which may be limiting for major repairs.

    Pros
    • Flexible coverage terms, including month-to-month
    • Quick response times
    Cons
    • Can't always choose your own service technician
    • $500 coverage limit for electrical and plumbing fixes

    We’ve compared this company’s plans based on select coverage items below.

    Liberty offers three plans:

    Liberty plans allow you to select the level of protection you need, from appliances to whole-home coverage.

    • Appliance Guard ($49.99): Covers major appliances throughout your home.
    • Systems Guard ($54.99): Covers your home's major systems.
    • Total Home Guard ($59.99): Covers all of the systems and appliances in the lower-tiered plans.

    Add-ons and discounts

    • Liberty offers over 30 additional add-ons, including non-standard options like:
      • Pest control
      • Power washing
      • Window cleaning
      • Gutter cleaning
      • Carpet cleaning
      • Generator repair
      • TV mounting

    Paying for a full year upfront gets you two months of free coverage.

    Most New Jersey reviewers say LHG offers easy online claims, responsive reps and fast fixes. However, some complain about delays for appliance claims.

    “The process was extremely easy, and the person that helped me was extremely informative and made everything clear and understand, highly recommend this company to family and friends. Don’t forget to download the app. Is extremely user-friendly and you can keep track of your claims as well as submitting them, You can also get someone on the phone very easily 24/7 365.”
    Jorge Beachwood, NJ
    “We called customer service to inquire about our washer and dryer unit. A technician arrived and offered to either replace or repair the dryer. Liberty. Customer service provided clear options and ensured I understood them, allowing me to make an informed decision.”
    Gennean Rockaway, NJ
    “When my refrigerator stopped working, I was worried about food spoilage. Fortunately, they responded quickly and sent a technician who diagnosed and fixed the issue in no time.”
    Ethan Trenton, NJ
    Best claims handling

    Cinch Home Services

    Cinch Home Services
    4.1
    12,243 reviews
    Plans available
    3
    Service fees
    $100, $125 or $150
    Starting costs
    $38.99
    Labor guarantee
    180 days
    Get a Quote Read Reviews

    Cinch Home Services is our top choice for New Jersey because it combines a robust 180-day labor guarantee with responsive service and affordable plan options. The company consistently delivers quick contractor dispatch — often within two hours of your claim.

    What to consider: Cinch does not provide a roof leak add-on, which is something to keep in mind if you want that specific protection.

    Pros
    • Low starting costs
    • Three service fee options
    • 180-day workmanship guarantee
    • Covers unknown preexisting conditions
    • Quick response times
    Cons
    • Few add-on options

    We’ve compared this company’s plans based on select coverage items below.

    Cinch Home Services has three plan options: an appliances plan (starting at $38.99, $47.32 or $48.99 per month), a systems plan (starting at $43.99, $52.32 or $55.99 per month) and the Complete Home plan (starting at $54.99, $63.32 or $66.99 per month), which includes the coverage from the other two plans. Service call fees are $100, $125 or $150 — choosing a lower deductible increases the plan’s cost. Each plan includes a water sensor to detect leaks.

    Add-ons and discounts

    • Optional add-ons
      • Septic tank and pumping: $4.58
      • Well pump: $12.50
      • Premier upgrade package: $12.50
      • Pool and spa (heater included): $22
    • Discounts: First month free in some cases

    New Jersey reviewers say Cinch Home Services has easy online claims, quick dispatch and courteous technicians. However, some complain about website glitches and reimbursement issues.

    “Filing a claim is very easy online. Once you pay your deductible upfront, you get assigned a contractor right away and within 48 hours they call to schedule an appointment. Typically, if the parts are able to be ordered without delay the claim is completed quickly.”
    Pam Sicklerville, NJ
    “My most recent experience with Cinch Home Services involved a plumbing issue in our basement, specifically with a septic system component. Thankfully, the process was smooth; they came out the day after I submitted the service request. Two days later, the issue was resolved by replacing the necessary pump.”
    Christopher Brooklawn, NJ
    “My experience with their service during my most recent claim was impressive. I contacted them on a Monday morning and by 2 PM that same day, a technician was at my house. While the issue couldn't be fixed immediately due to the need for a part, the technician promised to treat it as an emergency. To my relief, he returned on Saturday, within 30 minutes of a call, and replaced the part, ensuring everything was working perfectly.”
    Beatrice Newark, NJ
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process

    Home Warranties in New Jersey Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Choice Home Warranty logo
    American Home Shield logo
    Liberty Home Guard logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      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.

      Key insights

      Home warranty plans typically cost between $30 and $90 per month, depending on the coverage and company.

      Jump to insight

      The type of coverage you need may depend on your particular location in New Jersey (e.g., corrosion protection near the Jersey Shore).

      Jump to insight

      New 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 insight
      newark new jersey skyline

      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.

      » MORE: Home warranty costs

      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.

      FAQ

      Is a home warranty worth it in New Jersey?

      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.

      What do the worst home warranty companies have in common?

      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.

      Are home warranties transferable?

      Yes, in general, home warranty coverage is transferable to a second owner. Double-check your contract to be sure.

      Methodology

      The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in New Jersey, then evaluated which performed best for local residents.

      We prioritized real customer experiences in New Jersey but also considered national reviews. We discarded companies with fewer than five in-state reviews. Our review evaluation focused on seven satisfaction drivers:

      • Technician quality
      • Customer service
      • Claims handling
      • Punctuality and speed
      • Coverage
      • Value
      • Refunds and payouts

      In addition to reviews, we compared the companies on:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.
      • Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
      Guide sources

      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:

      1. Justia, “2020 New Jersey Revised Statutes Title 56 - Trade Names, Trade-Marks and Unfair Trade Practices Section 56:12-2 - Contracts to be written in simple, clear, understandable and easily readable way.” Accessed Oct. 2, 2025.
      2. New Jersey Department of Community Affairs, “Consumer Information for New Home Buyers.” Accessed Oct. 2, 2025.

      Not sure how to choose?

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