1. Home
  2. Homeowners
  3. Home Warranties
  4. Home Warranties
  5. Home Warranties in New Jersey

Best Home Warranties in New Jersey

Take a Home Warranty Quiz. Get matched with an Authorized Partner.

    Author picture
    Written by Taylor Sansano
    Edited by Vincent Landino

    Our research team vetted 18 home warranty companies that are rated by more than 691 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.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,151,098 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Key Insights

    • Our top picks include Choice Home Warranty, American Home Shield, Liberty Home Guard and HomeServe.
    • To find the best home warranty in New Jersey for you, evaluate your home’s condition and any environmental risk factors.
    • A home warranty in New Jersey typically costs between $50 and $95 per month, without discounts or add-ons.

    Compare Top New Jersey Home Warranty Companies

    Sort
    • Best Rated
    • Most Reviewed
    • Highest Rated

    Take a Home Warranty Quiz. Get matched with an Authorized Partner.

      Our 4 New Jersey home warranty picks

      Here are our favorite home warranty companies in New Jersey, based on local reviews:

      Methodology

      To select our top picks, we started with the home warranty companies available in New Jersey on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in New Jersey, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

      Our top pick overall Choice Home Warranty AUTHORIZED PARTNER
      • Number of plans: 2
      • Contract length: 1 year
      • Service fee range: $85

      Choice Home Warranty’s plans have covered more than 1 million homes nationwide. All repairs are completed by one of its more than 15,000 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 as well — at the time of publishing, single-payment plans include a free month of service.

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

      Basic planTotal plan
      Monthly premium cost*$52.27$61.13
      Service call fee*$85$85
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigeratorAdd-onAdd-on
      Septic pumpAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-on
      Well pumpAdd-onAdd-on
      Basic plan$52.27$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Total plan$61.13$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

      *For a home in Newark at the time of publishing

      Reviews for Choice Home Warranty in New Jersey are very positive, earning the company our top pick overall.

      Julie from Egg Harbor Township was enthusiastic in her review, writing, “I contacted Choice Home Warranty and the next day someone was here to repair my air conditioner. Gerardo was here on time, very knowledgeable and very nice. He took the time to explain everything to me. Based on my experience, I would recommend Choice Home Warranty.”

      “Was able to get somebody in right away and stop the leak,” wrote Cal from Summit. “This is the way things should be done, nice and easy. Customer service was easy to understand and easy to get ahold of.”

      Our top pick for a custom policy American Home Shield AUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: $75, $100 or $125

      American Home Shield’s plans cover up to 23 major systems and appliances in the homes of its more than 2 million members. All plans can be customized to fit your needs by tailoring service fees or adding coverage. You can book service through its online portal, and all repairs are backed by a 30-day workmanship guarantee.

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

      ShieldSilverShieldGoldShieldPlatinum
      Monthly premium cost*$64.83 to $79.83$74.83 to $89.83$94.83 to $109.83
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-on
      ShieldSilver$64.83 to $79.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldGold$74.83 to $89.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldPlatinum$94.83 to $109.83$75, $100 or $125Add-onAdd-onAdd-on

      *For a home in Newark at the time of publishing

      American Home Shield’s local reviews are strong, and New Jersey residents frequently mention satisfaction with the company’s service and value.

      Anny from Colonia wrote, “The service of AHS was very good. Liberty Plumbing recently came out for the AC and they were very amazing. … They were efficient. They explained to me every issue, answered any question I had. The tech didn't seem bothered. He was very patient with me. I love to ask questions. It was great. He went above and beyond than what I was expecting. I would recommend AHS.”

      “The service from American Home Shield is very helpful,” wrote Erica from Newark. “I wish I had gotten it before when my outlet wasn't working. I paid for someone to come in and that cost me about $700. So, as far as I'm concerned, the warranty already paid for itself.”

      Our pick for long-term contracts Liberty Home Guard AUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: Up to 5 years
      • Service fee range: $125

      Liberty Home Guard sells three home warranty plans for homeowners, and it claims that a majority of repairs have a technician on-site within 24 to 48 business hours. All repairs and replacements are backed by a 60-day workmanship guarantee. Liberty Home Guard also generally offers discounts, like savings on multiyear contracts. While it is our pick for long-term contracts, you can also pay monthly and cancel any time.

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

      Appliance GuardSystems GuardTotal Home Guard
      Monthly premium cost*$69.99$74.99$79.99
      Service call fee*$125$125$125
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-onAdd-on
      Second refrigeratorAdd-onAdd-onAdd-on
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-on
      Appliance Guard$69.99$125Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Systems Guard$74.99$125Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Total Home Guard$79.99$125Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

      *For a home in Newark at the time of publishing

      Liberty Home Guard’s New Jersey reviews often mention fast service and convenience.

      “Having switched from another operator … I was a bit skeptical to be honest, but these guys managed to deliver!” wrote Mary from Newark. “It took me about 5 minutes to schedule the appointment online and the tech came out in 2 days, used to take 2 months with other companies I was with! All went super smooth and without any hassle. Super satisfied!”

      Barbara from Lakewood wrote, “We have been enrolled with them for 2 years already with the total home guard plan, and will definitely be renewing. They don’t intentionally make filing claims and getting in contact with their support team difficult, like other home warranty companies will do, in order to get out of service. Thank you for keeping your promises Liberty Home Guard!”

      Millicent from North Brunswick even noted that the company’s procedures are oriented towards making sure critical fixes are addressed first: “My latest issue with my Air Conditioning was immediately escalated, which I appreciated. The customer service rep Jonathan, told me that prioritization of AC claims in the summer is by design in their system. … It’s understandable to wait a couple weeks for a new garbage disposal but doing without an AC in the heat is just untenable.”

      Our pick for specialty plans HomeServe AUTHORIZED PARTNER
      • Number of plans: 19*
      • Contract length: 1 year
      • Service fee range: Varies

      HomeServe offers a variety of coverages, including plans for specific home systems. It doesn’t require a home inspection or put age restrictions on covered items. Also, with HomeServe, you get access to a network of 12,000+ licensed technicians and contractors. All repairs are guaranteed for an entire year, and you can use the HomeServe app to manage your plan.

      HomeServe frequently partners with utility companies and other organizations to offer plans in certain areas. For example, in Newark, HomeServe offers some plans through Service Line Warranties of America (SLWA).

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

      TotalHome Warranty AppliancesTotalHome Warranty ComboPremium Home Protection Plan
      Monthly premium cost*$48.33$58.33$69.99
      Service call fee*$100$100$0
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      ElectricalInterior only
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      Pools
      Roof leak repairs
      Second refrigerator
      Septic pump
      Stand-alone freezer
      Well pump
      TotalHome Warranty Appliances$48.33$100
      TotalHome Warranty Combo$58.33$100Interior only
      Premium Home Protection Plan$69.99$0

      *For a home in Newark at the time of publishing

      Reviews for HomeServe in the Garden State are positve, and New Jerseyans seem happy with the company’s customer service.

      “HomeServe provides excellent service and responds to all inquiries immediately. I would definitely refer my friends and family. The contractors are prompt, courteous, reliable and provide a high degree of work performed. Their contractors wear appropriate masks and keep the required distance when conversing with me,” wrote Virginia from Neptune.

      Richard from Dumont was also happy with the company, writing, “HomeServe has been very courteous and knowledgeable. The other day I called them and they said someone would call me within four hours. Somebody did call and set up an appointment and it was very expeditious service. … The techs HomeServe sends always do what they come to do and they are quick and efficient. They do excellent work. I'm content to be one of HomeServe's customers.”

      How to find the best home warranty company in New Jersey

      newark new jersey skyline

      The right home warranty company for you depends on what you’re looking for out of your coverage, and a lot of your needs are specific to 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 and location concerns, you’ll also want to find a company with 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 that has a positive track record of paying out claims and completing repairs in a reasonable time.

      Home warranty regulations in New Jersey

      Home warranty companies in New Jersey are regulated by the state’s Division of Consumer Affairs.

      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 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.

      Regulations for new construction

      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 than 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.

      New Jersey home warranty FAQ

      How much does a home warranty cost in New Jersey?
      New Jersey residents pay roughly $50 to $95 per month for home warranties, based on quotes from our top picks. This is significantly higher than the national average of $36 to $68 per month.

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

      Is a home warranty worth it in New Jersey?
      Sometimes, 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.

      Bottom line

      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 the home warranty buying process, check out our home warranty buyers guide, our home warranty cost resource or our home warranty coverage resource.

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. 2020 New Jersey Revised Statutes, “Section 56:12-2.” Accessed November 15, 2021.
      2. New Jersey Department of Community Affairs, “Consumer Information for New Home Buyers.” Accessed November 15, 2021.

      Not sure how to choose?

      Get buying tips about Home Warranties in New Jersey delivered to your inbox.

        By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

        Thank you, you have successfully subscribed to our newsletter!

        Compare Top New Jersey Home Warranty Companies

        Comparing

        ×