X
X
X
ALLCOMPANIES TOOLS BLOGS
Disclaimer

We maintain complete transparency with the readers on our website. The company rankings on our site are independent of any marketing relationships that we may hold with a home warranty company. We may receive compensation for receiving quotes or placing advertisements. However, this does not affect a company's rankings. Companies are ranked solely on the basis of consumer reviews and ratings received from home warranty users.

*The lead information obtained will be sent to the respective companies as selected by the readers. However, the lead will be shared with a similar company if the selected company either doesn't participate in Leads Program or doesn't respond.

Best Home Warranty Companies In New Jersey 2024

Your New Jersey home’s systems face constant challenges, from scorching summers to unpredictable winters. This guide explores the best home warranty companies in New Jersey, helping you find a plan to safeguard your essential systems and keep your home running smoothly year-round. Discover the perfect warranty for stress-free living and budget protection.

Our Picks: 5 Best Home Warranty Companies For New Jersey Residents

After careful evaluation, we've selected the top 5 home warranty companies for New Jersey homeowners. Offering comprehensive coverage and reliable service year-round, they keep your home worry-free.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$59 - $99

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Generous coverage limits
  • Network of skilled technicians
  • Exclusive discounts on ShieldGold & ShieldPlatinum plans

Cons

  • Higher premiums compared to others

Plans, Cost & Coverage

AHS offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum, priced between $59.99 and $99.99 monthly. Deductibles are available at $100 or $125, with appliance coverage capped at $4,000 and system coverage at $5,000.

Take a look at the table below to learn more about the plans and pricing:

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$59.99

$59.16

$89.99

Cost at $100 Service Call Fee

$69.99

$69.16

$99.99

ShieldSilver

  • This plan protects 14 vital home systems, including AC, heating, electrical, and plumbing
  • Suitable for New Jersey homeowners prioritizing system safety

ShieldGold

  • Covers 23 essential systems and kitchen and laundry appliances
  • This plan provides medium-level appliance coverage, capped at $2,000 each
  • Ideal for homeowners seeking comprehensive coverage for their home systems and appliances

ShieldPlatinum

  • This comprehensive plan includes everything from the other two plans, plus protection against roof leaks
  • Offers maximum appliance coverage, up to $4,000 each
  • Ideal for homeowners seeking extensive coverage options

Why We Picked It?

American Home Shield provides extensive coverage for various home systems and appliances. Their customizable plans cater to your specific requirements and budget. Transparent pricing and a simple claims process ensure easy protection against unforeseen repair expenses.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$50 - $58

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • 90-day parts protection guarantee
  • Free roof leaks coverage
  • Provides budget-friendly plans

Cons

  • Lesser coverage limits

Plans, Cost & Coverage

Choice Home Warranty offers homeowners two choices: the Basic Plan and the Total Plan, starting at $50 monthly. Service call fees range from $75 to $125 for each request. Additionally, for accessing, diagnosing, and repairing covered items, Choice Home Warranty provides coverage of up to $3,000 per contract term. 

Here’s how much the company charges for each of its plans:

Plans

Monthly

Yearly

Basic Plan

$49.83

$567

Total Plan

$58.58

$668

Basic Plan

  • Includes fourteen essential home systems and appliances
  • Covers heating, electrical, plumbing, and kitchen appliances
  • Perfect for homeowners in search of fundamental protection for their home appliances and systems

Total Plan

  • This plan provides broader coverage, protecting a total of 18 items
  • It encompasses everything in the Basic plan plus laundry appliances
  • Ideal for maximum coverage and protection of your most valuable possessions

Why We Picked It?

Choice Home Warranty offers peace of mind backed by over 14 years of industry experience and handling over 6 million service requests. Having served nearly 2 million homes, they prioritize prompt and efficient service. Additionally, their extensive network of over 25,000 contractors guarantees quick responses to your claims, ensuring thorough care for your home.

Best For Customer Services
3.3 | threehalf_star Good
$200 Off + 2 Months Free*

Monthly Cost

$43 - $79

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

  • Flexible coverage options tailored to individual needs
  • Services guaranteed for 90 days
  • Plans starting from less than $2/day

Cons

  • Lower dollar limit

Plans, Cost & Coverage

ServicePlus Home Warranty gives homeowners two choices: the Gold Plan and the Platinum Plan. The Gold Plan is $37 monthly, while the Platinum Plan costs $43 monthly. Both plans offer coverage for home items totaling up to $1,500 per contract term.

Let’s find out more about SPHW plans and costs. 

 

Gold Plan

Platinum Plan

Cost/Month

$37.46

$43.71

Cost/Annum

$349

$424

Gold Plan

  • This plan safeguards 15 distinct systems and appliances
  • Covers essentials like heating, electrical, plumbing, and kitchen appliances
  • Ideal choice for NJ homeowners seeking home warranty under $40 monthly

Platinum Plan

  • Encompassing 20 household items
  • This plan extends coverage beyond the Gold Plan, including HVAC, refrigerator, washer, and dryer
  • Tailored for homeowners desiring comprehensive coverage for their home systems and appliances

Why We Picked It?

ServicePlus Home Warranty is a reputable entity within the home warranty sector, recognized for its reliability and customer-centric approach. The company offers two coverage plans, allowing homeowners to choose plans that suit their unique requirements. 

Additionally, with an array of optional add-ons, you can further enhance your coverage. Moreover, ServicePlus Home Warranty prioritizes affordability, ensuring homeowners can access the protection they need without straining their finances.

Best For Affordable Coverage
3.8 | threehalf_star Excellent
$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

  • Offers budget-friendly plans
  • Two months free with annual plans
  • Same-day response on claims

Cons

  • Lesser coverage limits

Plans, Cost & Coverage

Select Home Warranty offers three plans for homeowners to choose from – Bronze Care, Gold Care, and Platinum Care. These plans come with monthly pricing ranging from $44 to $47. Additionally, Select Home Warranty imposes a cap of $2,000 per covered item throughout the contract term.

Here is a breakdown of SHW’s costs and plans:

 

Bronze Care

Gold Care

Platinum Care

Cost/Month

$44.42

$44.42

$47.75

Cost/Annum

$479.99

$479.99

$524.99

Bronze Plan

  • This plan provides coverage for 8 household appliances
  • Covers key kitchen appliances like the refrigerator, oven, and dishwasher
  • It’s a suitable choice for those prioritizing appliance protection

Gold Plan

  • This plan offers coverage for 7 essential home systems
  • Covers HVAC, plumbing, water heater, and electrical systems
  • It’s tailored for homeowners seeking coverage for their vital home systems

Platinum Plan

  • Covering a total of 18 systems and appliances
  • This comprehensive plan includes protection for plumbing stoppages, garage door openers, and ceiling fans
  • It’s an ideal choice for homeowners looking for extensive home coverage at an affordable rate of under $50 per month

Why We Picked It?

Select Home Warranty, with more than 11 years of industry experience, is renowned for providing comprehensive coverage options at affordable rates. The company stands out for its dedication to customer satisfaction, exemplified by the complimentary roof coverage included in every plan. Moreover, customers can further tailor their coverage with additional options, ensuring a personalized approach to their home warranty needs.

Highly Rated By Customers
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • 90-day workmanship guarantee
  • Coverage limits up to $8,000
  • 30-day free trial

Cons

  • People find difficulty in knowing exact pricing information

Plans, Cost & Coverage

Elite Home Warranty offers three distinct plans: Elite Appliances, Elite Systems, and Elite Complete. With prices starting at $44 per month, these plans ensure appliance coverage up to $7,000 and system coverage up to $8,000 per contract term.

Here is a detailed overview of Elite Home Warranty plans and pricing:

 

Elite Appliances 

Elite Systems 

Elite Complete 

Cost at $70 Service Call Fee

$44.99

$49.99

$59.99

Elite Appliances 

  • Covers eight essential household appliances, including garbage disposal, refrigerator, and dishwasher, among others
  • Appliances are protected for up to $7,000 throughout the contract term, offering peace of mind against malfunctions
  • It’s a good choice for those seeking thorough appliance coverage under $45 per month

Elite Systems Plan

  • Provides coverage for seven essential home systems, such as air conditioning, electrical, plumbing, and water heater
  • Systems are protected for up to $8,000, ensuring comprehensive coverage for essential home systems
  • It’s ideal for individuals looking for thorough home system coverage for less than $50 per month

Elite Complete 

  • This comprehensive plan offers protection for both home systems and appliances
  • Offers coverage limits of up to $7,000 for appliances and $8,000 for systems per contract term
  • Suitable for homeowners seeking comprehensive protection for their home systems and appliances at a monthly cost of under $60

Why We Picked It?

Elite Home Warranty offers customizable coverage plans, allowing customers to tailor their selection of appliances or systems without additional charges. They provide homeowners ample dollar limits of up to $8,000 per appliance contract term. 

Moreover, Elite Home Warranty offers exclusive features like a 30-day free trial, the option to select a preferred technician, a money-back guarantee, and more.

Are Home Warranty Plans Beneficial For New Jersey Homeowners?

Let’s find out why you must explore home warranties in New Jersey:

  • Home warranty plans in New Jersey can provide coverage for essential systems like HVAC and appliances, safeguarding homeowners against the effects of the state's coastal climate, including saltwater corrosion and humidity-related issues.
  • Many homes in New Jersey have basements, and home warranty plans can offer protection against leaks, helping homeowners avoid costly repairs due to flooding or water damage.
  • New Jersey experiences hot summers and cold winters, making HVAC systems crucial for comfort. Home warranty plans often cover repairs or replacements for HVAC systems, ensuring homeowners stay comfortable year-round.
  • With many homes in New Jersey equipped with pools, home warranty plans can include coverage for pool pumps, heaters, and other equipment, providing peace of mind to pool-owning homeowners.
  • Given New Jersey's susceptibility to heavy rainfall and flooding, home warranty plans may include coverage for sump pump systems, helping homeowners prevent water damage.
  • Many homes in New Jersey are older and may have aging infrastructure. Home warranty plans can help cover repair or replacement costs for aging appliances, plumbing, and electrical systems, mitigating the financial burden of maintaining older properties.

How Much Does A New Jersey Home Warranty Cost?

We have listed below the average premiums and deductibles you can expect to pay for a home warranty in New Jersey.

Average Annual Cost

$300 - $700

Average Monthly Cost

$30 - $80

Average Service Fee (Deductible)

$60 - $125

Factors Influencing The Cost Of The Home Warranty

  • Property Size & Value The size and value of the home can influence the cost of a home warranty in New Jersey. Larger or more expensive properties typically require higher premiums.
  • Coverage Options & Limits The extent of coverage the homeowner selects, including add-ons for specific items, can impact the home warranty cost. More comprehensive coverage may result in higher premiums.
  • Provider & Plan Selection The homeowner's choice of home warranty provider and the specific plan selected can impact the cost of coverage. Different providers may offer varying pricing structures and coverage options, allowing homeowners to select plans that align with their budget and needs.

Home Warranty Coverage In New Jersey

Let’s explore some general coverage details about New Jersey home warranty:

General Coverage Of New Jersey Home Warranty

  • Essential Systems Home warranty plans commonly cover plumbing and electrical systems, including repairs for leaks, faulty wiring, and electrical issues.
  • Major Appliances New Jersey home warranty plans also cover repair or replacement costs for kitchen and laundry appliances.
  • Garage Door Openers Many home warranty plans in New Jersey include coverage for garage door openers, offering protection against malfunctions or breakdowns of this essential home security and convenience component.

Common Exclusions

  • Acts of Nature Most home warranty plans exclude coverage for damages caused by earthquakes, floods, hurricanes, etc. 
  • Pre-existing Damages Home warranty plans often exclude coverage for pre-existing conditions, emphasizing the importance of disclosing any known problems during the coverage evaluation process.
  • Improper Maintenance Damage caused by improper or no maintenance of the covered systems and appliances is usually excluded.

Here Are Some Additional Points To Consider

  • Local Service Network Consider the extent and reliability of the home warranty company’s service network in New Jersey. Ensure that qualified technicians are available in your area to address repair needs when they arise promptly.
  • Coverage Flexibility Look for home warranty plans that offer flexible coverage options, allowing you to tailor the plan to your specific needs and budget. If relevant to your property, consider add-ons for items not typically covered, such as pool equipment or well pumps.
  • Customer Support Evaluate the quality of customer support the home warranty company offers. Look for providers with responsive customer service teams to assist you with inquiries, claims processing, and troubleshooting.

Who Regulates Home Warranty Companies In New Jersey?

In New Jersey, home warranty companies are subject to oversight from two key entities:

  • New Jersey Department of Consumer Affairs (DCA) The DCA's Division of Consumer Affairs plays a vital role. It licenses home warranty companies and enforces regulations, ensuring they operate fairly and according to the law. This includes reviewing and approving warranty contracts to ensure clarity, comprehensiveness, and adherence to specific standards.
  • New Jersey Attorney General's Office In New Jersey, home warranty contracts are subject to the state's Consumer Fraud Act. This law, enforced by the Consumer Protection Division, prohibits deceptive and unfair business practices. When buying a home warranty, you're safeguarded from misleading advertising and sales tactics.

Final Word

In New Jersey, the need for reliable home warranty coverage remains paramount. Your best company must embody reliability, transparency, and responsiveness and stand ready to provide peace of mind!

Frequently Asked Questions (FAQs)

What Are The Most Common Repairs In New Jersey?

A.

In New Jersey, common appliance repairs often revolve around issues such as refrigerator compressor problems, especially in the hot and humid climate, and air conditioner repairs due to the need for reliable cooling.

How To Cancel Choice Home Warranty?

A.

To cancel your Choice Home Warranty, contact their customer service hotline at 888-373-7924. A representative will assist you in closing your account via phone, and once the process is finalized, you’ll receive a confirmation email. You’ll be asked about your decision during the cancellation call, and certain fees may apply.

Is A Home Warranty Mandatory In New Jersey?

A.

A home warranty is not mandatory in New Jersey. Home warranties are optional service contracts that homeowners can purchase to cover the repair or replacement of major home systems and appliances. While some homeowners choose to have a home warranty for added peace of mind, it is not a legal requirement.

https://www.homewarrantyreviews.com/wp-content/themes/HWR-2020