Best Home Warranties in New Jersey

We compared 18 companies and chose the top home warranty providers

    • Choice Home Warranty
      4.0(69,285)
    • American Home Shield
      3.8(106,358)
    • Liberty Home Guard
      3.2(1,015)
    +1 more

    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.

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    Our 3 New Jersey home warranty picks

    Here are our favorite home warranty companies in New Jersey, based on local reviews and company offerings.

    Buyers Choice Award Finalist
    Choice Home Warranty
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83

    Choice Home Warranty’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 as well.

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

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

    Occasionally, reviewers mention problems with customer service, including unsolicited calls and difficulty reaching representatives.

    2025 Buyers Choice Award Winner
    American Home Shield
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99

    American Home Shield’s plans cover up to 24 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.

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

    Some customers experienced delays getting their air conditioners repaired, and some felt that AHS did not adequately cover the costs of repairs or replacements, leaving them to pay out of pocket.

    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Our pick for long-term contracts
    Liberty Home Guard
    Plans available
    3
    Service fees
    $50 to $125
    Starting costs
    $49.99

    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 at any time.

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

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

    Some customers have expressed dissatisfaction with Liberty Home Guard, citing issues with payment for services rendered, delays in receiving quotes and reimbursements and rude or unprofessional customer service.

    Home Warranties in New Jersey Buyers Guide

    Jump into our guides and start learning

    Top Picks

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      New Jersey home warranty buyers guide

      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

      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:

      • Reviews: We analyzed reviews of home warranty companies in New Jersey to get a sense of which companies locals are happiest with.
      • 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.

      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 May 9, 2025.
      2. New Jersey Department of Community Affairs, “Consumer Information for New Home Buyers.” Accessed May 9, 2025.

      Not sure how to choose?

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