Jesus Sanchez Garcia is a senior writer for USA TODAY Homefront. His expertise focuses on home warranties, with over 50 hours spent reviewing provider sample contracts to understand their benefits. He also regularly performs consumer research, such as surveys and customer interviews with an eye on incorporating data into his writing. Jesus has a bachelor’s in business administration from California State University, Stanislaus, and is still located within California’s vibrant Central Valley. When he is not researching or writing, he enjoys supporting his favorite sports teams, spending time with loved ones and chasing new adventures outdoors.
Editorial note: Homefront (defined in the Disclosure below) may earn a commission from affiliate partner links featured on our site. This commission does not influence our editors’ opinions or evaluations.
The weather in New Jersey can be temperamental — summers tend to be hot and humid and winter temperatures can fall below freezing. These conditions highlight how important HVAC home warranty protection is, as your air conditioner and heating system keep your home comfortable during these seasons.
A home warranty helps provide peace of mind by ensuring that your essential systems and appliances are protected should they break down. 2-10 Home Buyers Warranty and Liberty Home Guard are our top choices for the Garden State because of their affordable premiums and comprehensive coverage perks.
Our team reviewed the best home warranty companies nationwide and determined the top five providers available in New Jersey. To get started, request a quote from a few of our recommended picks below.
The listings that appear are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This listing does not include all companies or all available offers and products.
In the know
Over 150 homeowners have bought a home warranty plan from one of the above companies in the last 30 days.
Our team reviewed over a dozen home warranty companies and chose the providers that feature solid HVAC protection for our New Jersey recommendations. Below is our list of the best home warranty companies in New Jersey.
Your coverage needs and budget determine which home warranty company will best suit your situation. If you are on a strict budget and want solid coverage for your home, 2-10 Home Buyers Warranty is a great choice. If comprehensive home protection is important to you, consider Liberty Home Guard.
We gathered pricing information for the comparison table below by requesting quotes across all 50 states and calculating a national average for all featured companies. We used a 2,000-square-foot, single-family home in each state to obtain our quotes. Your pricing will vary based on your home’s size, location and coverage needs.
Given New Jersey’s seasonal changes, your home warranty company should cover the systems that help keep your home comfortable. These three home warranty companies scored well on overall coverage and service, including vital heating and cooling system protection.
For the evaluation of home warranty companies below, we pulled quotes based on a 1,656-square-foot, single-family home in Roselle, New Jersey. Our research shows that companies don’t vary their plan prices for homes under 4,000 square feet. This means a provider typically charges the same plan premium for a 1,600-square-foot home and a 2,000-square-foot home within the same ZIP code. However, pricing will vary based on your home’s location and coverage needs.
What we like
2-10 Home Buyers Warranty is our top choice for New Jersey residents due to its affordable coverage plans, generous system and appliance limits and additional perks. One of its unique perks is its “Even If” guarantee, which stipulates that 2-10 will refund your service call fee if it doesn’t cover your broken item. Here are a few other things we like about 2-10:
What we don’t like
While 2-10 has many benefits, some of its drawbacks affect homeowners needing major appliance coverage. Here are some factors we dislike about 2-10:
2-10 Home Buyers Warranty offers three protection plans, each with $65, $85 and $100 service fee options. Your monthly premium will increase or decrease depending on your chosen service fee.
Here is a coverage and pricing overview for 2-10’s home warranty plans:
Add-on options
2-10 provides 16 additional coverage options, which is more than some providers we’ve reviewed. The add-ons range from freshwater pool protection to septic system coverage. Based on our quote, septic system protection costs an additional $4 monthly.
Other factors that influence coverage
2-10 provides an unlimited workmanship guarantee, meaning it’ll reservice a previously repaired item free of charge as long as you keep your policy active. The company offers a solid $2,000 coverage limit per covered system and appliance. It raises its limits to $5,000 per item with its Luxury Package add-on.
2-10 Home Buyers Warranty has an A rating on the Better Business Bureau (BBB) and a poor customer rating of 1.2 out of 5. Some unfavorable reviews mentioned response time as a negative. In a 1-star review on BBB, Joseph S. wrote that after a three-day wait for a response about his malfunctioning oven, 2-10 told him it could not find a technician within 100 miles of his home.
However, we also found positive reviews highlighting 2-10’s quick service. These customers experienced a seamless claims process — from submitting online and over the phone claims to repairs from an assigned in-network provider. Others appreciated 2-10’s speed in confirming a service appointment.
Liberty Home Guard (LHG) is another top choice for New Jersey homeowners who value customization. It provides solid coverage limits for home appliances and systems alongside a generous workmanship guarantee. Here are some additional features that we like:
LHG requires you to file a claim as soon as you notice an issue, otherwise it may deny your claim. Here are some additional aspects of LHG we dislike:
Liberty Home Guard provides three home warranty coverage plans. We found that it didn’t display its service call fee pricing in our online quote.
To clarify this omission, we called an LHG representative, who said LHG adjusts your service call fee based on your home’s size, location and your plan selections. “The service call fee ranges from $65 to $125 per claim,” he added.
Here is a coverage and pricing overview for LHG’s home warranty plans:
LHG features 42 unique add-on options — the most of any home warranty company we’ve reviewed. The company also lists the most popular add-on choices other New Jersey customers have bought, such as sump pump coverage. According to our quote, LHG charges $9 monthly for sump pump protection.
Similar to 2-10 Home Buyers Warranty, LHG provides a $2,000 coverage cap for most of its covered items, except for electrical and plumbing systems. According to LHG’s sample contract, it will only pay up to $250 for electrical or plumbing repairs within the first 90 days of coverage. After 90 days, LHG increases its plumbing and electrical limits to $500 per claim. LHG provides a 60-day workmanship guarantee, which is double the industry standard.
Liberty Home Guard’s A rating on BBB was changed to N/R (“not rated”), but it holds a BBB customer review rating of 4.5 out of 5 stars. In March 2024, LHG responded to losing its A rating with a statement that the company’s customer satisfaction levels remain the highest relative to its scale. LHG also stated that in February 2024, it received the lowest number of cancellation requests in its history.
Aside from its NR rating and pattern of complaints, customers rate LHG highly. Many reviews stated that filing a service request with LHG is a seamless experience.
American Home Shield (AHS) provides comprehensive major systems and appliance protection alongside flexible service call fees. Here are a few other things we like about AHS:
AHS charges high prices for most of its coverage plans. Here are some additional features we don’t like about the provider:
American Home Shield offers two service call fee options for each coverage plan. You can choose from a $100 or $125 service fee — the higher the service fee, the lower your monthly payment.
Here is a coverage and pricing overview for AHS’s home warranty plans:
As mentioned above, AHS doesn’t have many add-on options. However, it does provide guest house coverage as an add-on, unlike many other home warranty companies. According to our quote, AHS charges an extra $15 monthly for guest unit protection.
AHS provides a $5,000 coverage limit per claim for HVAC systems. AHS offers an unlimited coverage cap for other systems, such as plumbing and electrical. Regarding major appliances, AHS extends a $2,000 limit per appliance claim and raises its limit to $4,000 in its ShieldPlatinum plan. AHS provides an industry-standard 30-day workmanship guarantee.
American Home Shield holds a B rating and a customer rating of 2.1 out of 5 on BBB. Some negative reviews cited AHS’ inconsistency when it comes to coverage.
That said, we found BBB reviews commending AHS’ friendly and helpful customer service representatives, with several noting how well they answer questions and concerns. One customer stated that he kept his AHS plan active due to the improved customer service he experienced.
The home warranty companies listed below didn’t make our top three list due to fewer standard convenience features and higher service call fees. However, these companies are still worth checking out if you need total home protection or coverage for unique items.
Elite Home Warranty offers over 20 add-on coverage options, generous coverage limits and competitive pricing. Here are some additional features that Elite offers:
While not a major con, Elite requires you to call a sales representative to obtain a quote. Every other provider we’ve reviewed provides an online quote that lists pricing. Here are some additional aspects of Elite we dislike:
Elite Home Warranty offers three coverage plans and a fully customizable plan that allows you to select the coverage you need. The custom plan cost varies depending on the number of items you include. It pairs most plans with a $70 service call fee. You can pay a $100 or $130 service fee on its annual plans.
Here is a coverage and pricing overview for Elite’s home warranty plans:
Elite offers over 25 add-on options, suiting those who need flexible home coverage. Its add-ons range from central vacuum to well pump coverage. According to our quote, central vacuum coverage costs an extra $8 monthly.
Elite provides a 90-day workmanship guarantee, which is three times the length of the industry standard. Elite provides various coverage caps for systems and appliances. Its limits range from $500–$3,000 per appliance claim and $750–$4,000 per systems claim.
Elite Home Warranty has a stellar customer rating of 4.9 out of 5 and an A+ rating on BBB. Many of Elite’s BBB customer reviews praised the company’s customer service representatives. Customers appreciate their knowledge, helpfulness and willingness to customize plans based on their needs. Many appreciative reviews mentioned a specific customer service representative.
Cinch Home Services is our final recommendation for New Jersey residents. The company features an extensive list of covered appliances and systems and includes several perks within each plan. Here are some other features we like about Cinch:
Cinch charges higher service call fees and doesn’t offer many add-ons. Here are some additional features we don’t like about Cinch:
Cinch provides three coverage options and three service call fees. When signing up for a plan, you can choose from $100, $125 and $150 service fees.
Here is a coverage and pricing overview for Cinch’s home warranty plans:
Cinch Home Services only offers six additional coverage options. However, its Premier Upgrade Package add-on covers permit fees and more. According to our quote, the Premier Upgrade Package costs $13 monthly.
Cinch Home Services extends a 180-day workmanship guarantee on all completed repairs. In addition, Cinch provides various coverage caps depending on the item. For example, it covers up to $2,000 per appliance claim. Cinch has an aggregate limit of $10,000 per policy term.
Cinch Home Services has a customer rating of 1.1 out of 5 and a B+ rating on BBB. Many poor reviews cited Cinch’s lack of communication or miscommunication, especially during the post-claims process. In a 1-star review for BBB, a customer wrote that Cinch delayed a promised furnace replacement in early January 2023 multiple times.
Most of the positive BBB customer reviews centered on Cinch’s knowledgeable sales representatives. Several customers reported that the representatives who helped them thoroughly explained plan options and answered their questions well.
New Jersey’s seasons experience a range of temperatures that could impact your home’s HVAC system. Before buying a home warranty, consider the major systems or appliances that work the hardest during peak summer and winter. Knowing what coverage options you need ensures you choose the right provider the first time.
The cost of a home warranty in New Jersey is $61 per month or $736 annually, according to the national average we calculated. Your location, home’s square footage and plan selections all affect the cost. Therefore, we suggest obtaining a custom quote from the home warranty companies listed in this article. Here are the average monthly and annual premium costs of eight home warranty companies we’ve reviewed based on New Jersey quotes.
In addition, consider how many claims you estimate filing. If a provider’s service call fee is $100 and you file three claims during the 12-month policy term, you’ll pay an additional $300 annually.
When you shop for a home warranty, think about the local weather you experience. In the Charlotteburg area, temperatures rise to at least 90 degrees nearly every summer, according to the National Weather Service (NWS).
January tends to be the coldest month in many New Jersey areas, such as Essex County. The NWS reported that the last four years saw January minimum temperatures below 30 degrees. Ensure the home warranty company you’re considering has solid air conditioning and heating system coverage limits so you’re protected from an unexpected breakdown.
Spotting red flags is easier once you know what to look for in a home warranty. Here a few signs:
Many customers typically overlook reviewing a home warranty company’s sample contract. Like home insurance, home warranties have coverage limitations and exclusions, which can be frustrating to experience if you’re unaware of them.
To reduce the likelihood of a claim denial, we recommend familiarizing yourself with the following sections of a home warranty company’s sample contract:
New Jersey provides several consumer protections that you should know about before signing up for a home warranty. The state’s Division of Consumer Affairs has regulatory oversight over home warranties. According to statute 56:12-87–95.5, home warranty companies must provide several methods for consumers to cancel their policies, such as online and telephone cancellation procedures.
Additionally, you can file a complaint directly with the Division of Consumer Affairs if your home warranty provider neglects its contractual obligations.
Home warranties offer the convenience of sourcing a professional service provider nearby whenever a system or appliance malfunctions. For a monthly premium and a low service fee each time you file a claim, you can protect your home’s essential items from the unexpected. Whether you live in Jersey City or Princeton, providers can customize your plan to your unique situation.
Request a quote from three home warranty companies to compare coverage plans and costs to ensure you find the best fit for your New Jersey home.
We research and rate home warranty providers to help you choose the right one for your budget and your home. The best home warranty companies offer multiple coverage choices, high coverage limits, competitive pricing, good reviews, solid service and extra features.
We rate companies based on our in-depth methodology. We score companies out of 100 on factors related to their coverage options, coverage limits, pricing, reputation, customer service and extra features. We then divide their final score by 20 to obtain a 5-star rating in our reviews.
BBB reviews are accurate as of March 2024.
Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics.
Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information.
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