We selected Liberty Home Guard (LHG) as New Jersey’s best home warranty company because of its affordable premiums, comprehensive coverage perks and roster of 42 optional add-ons — the most in the industry.
More than 2,900 homeowners have bought a home warranty plan from one of the above companies in the last 30 days. Liberty Home Guard is our most popular provider, with 40% of consumers choosing to cover their homes with an LHG plan.
The weather in New Jersey can be temperamental. Temperature swings can play havoc with AC and heating, and LHG’s range of HVAC home warranty protection is another plus in that company’s favor. Our team reviewed the best home warranty companies nationwide and determined the top five providers available in New Jersey.
The best home warranty companies in New Jersey
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.
- Liberty Home Guard: Best add-on variety
- 2-10 Home Buyers Warranty: Best value plans
- American Home Shield: Best HVAC coverage
- Elite Home Warranty: Best plan customization
- Cinch Home Services: Best coverage perks
Compare top home warranties
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.
Our best New Jersey home warranty recommendations
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.
Our thoughts
What we like
Liberty Home Guard (LHG) is our 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:
- Has a convenient 24/7 online chat tool
- Offers discounts on appliances and second property policies
- Provides coverage for two air conditioning units in its systems plan
What we don’t 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:
- Charges extra for pro-series appliance coverage
- Has lower coverage caps for electrical and plumbing
- Lacks service fee transparency
Coverage plans and pricing
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:
- Appliance Guard ($50 per month): The Appliance Guard plan covers 12 major appliances, such as garbage disposals and garage door openers.
- Systems Guard ($55 per month): The Systems Guard covers six home systems, including water heaters.
- Total Home Guard ($60 per month): The Total Home Guard bundles the Appliance and System Guard plans into one comprehensive protection plan.
Add-on options
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.
Other factors that influence coverage
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.
Customer thoughts
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.
Our thoughts
What we like
2-10 Home Buyers Warranty is another good 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:
- Extends a plan-length workmanship guarantee on completed repairs
- Has a $25,000 annual coverage limit for all covered items
- Provides a Luxury Package add-on, raising appliance and system coverage caps to $5,000
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:
- Charges a 9.5% processing fee if you choose monthly premiums
- Excludes washer and dryer coverage in its basic appliance plan
- Has lower customer ratings than other home warranty providers
Coverage plans and pricing
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:
- Simply Kitchen ($35–$41 per month): This plan covers standard kitchen appliances, such as built-in microwaves, cooktops and refrigerators.
- Complete Home ($55–$61 per month): The Complete Home plan covers all home appliances listed in the Simply Kitchen plan and adds major systems coverage. It covers electrical systems, plumbing and HVAC.
- Pinnacle Home ($69–$75 per month): This plan adds coverage for clothes washers and dryers and its Supreme coverage add-on to all items listed in the Complete Home plan.
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.
Customer thoughts
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.
Our thoughts
What we like
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:
- Offers high coverage limits for home systems and appliances
- Covers unique damage such as rust, corrosion or sediment damage
- Doesn’t exclude commercial-grade appliances from coverage
What we don’t like
AHS charges high prices for most of its coverage plans. Here are some additional features we don’t like about the provider:
- Doesn’t offer an appliance-only plan
- Doesn’t include an annual premium option
- Offers a limited number of add-ons
Coverage plans and pricing
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:
- ShieldSilver ($50–$60 per month): The ShieldSilver plan covers only major systems, including air conditioners and interior electrical wiring.
- ShieldGold ($70–$80 per month): The ShieldGold plan covers all items listed in the ShieldSilver and adds coverage for nine appliances, such as instant hot and cold water dispensers.
- ShieldPlatinum ($100–$110 per month): This plan includes all the ShieldGold items, increases its appliance coverage limits and includes a discounted HVAC system tune-up.
Add-on options
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.
Other factors that influence coverage
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.
Customer thoughts
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.
Our thoughts
What we like
Elite Home Warranty offers over 20 add-on coverage options, generous coverage limits and competitive pricing. Here are some additional features that Elite offers:
- Allows you to choose your own technician
- Extends a 90-day workmanship guarantee
- Offers a fully customizable plan
What we don’t like
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:
- Charges higher service fees for high-end appliances
- Excludes workmanship guarantee if you use your own technician
- Limits repair and replacement coverage caps for older items
Coverage plans and pricing
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 Appliances ($38–$45 per month): The Elite Appliances plan covers 11 total appliances, such as dishwashers and ovens.
- Elite Systems ($42–$50 per month): The Elite Systems plan includes coverage for eight major systems, including plumbing stoppages.
- Elite Complete ($46–$60 per month): The Elite Complete plan combines the plans mentioned above.
Add-on options
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.
Other factors that influence coverage
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.
Customer thoughts
Elite Home Warranty has a stellar customer rating of 4.9 out of 5 and a B+ 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.
Our thoughts
What we like
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:
- Covers rust and corrosion damage
- Includes a $25 credit for air conditioning unit or refrigerator filters
- Offers a generous 180-day workmanship guarantee
What we don’t like
Cinch charges higher service call fees and doesn’t offer many add-ons. Here are some additional features we don’t like about Cinch:
- Doesn’t cover mobile homes
- Excludes roof-leak coverage
- Varies individual coverage caps per covered item
Coverage plans and pricing
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:
- Appliances ($62–$72 per month): The Appliances plan features 12 home appliances, such as freestanding ice makers and range exhaust hoods.
- Built-in Systems ($66–$78 per month): The Built-in Systems plan covers 16 home systems, including ductwork and smoke detectors.
- Complete Home ($77–$89 per month): The Complete Home plan is Cinch’s most comprehensive plan since it combines the above plans and adds a homeowners insurance deductible reimbursement.
Add-on options
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.
Other factors that influence coverage
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.
Customer thoughts
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.
What do you need to know about New Jersey home warranties?
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.
Home warranty cost in New Jersey
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.
| Company | Average monthly premium | Average annual premium |
|---|---|---|
| 2-10 Home Buyers Warranty | $41 | $492 |
| Select Home Warranty | $46 | $546 |
| Choice Home Warranty | $54 | $655 |
| Liberty Home Guard | $55 | $660 |
| ARW Home | $64 | $764 |
| Cinch Home Services | $68 | $820 |
| AFC Home Warranty | $70 | $838 |
| American Home Shield | $93 | $1,113 |
| State Average | $61 | $736 |
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.
New Jersey-specific coverage needs
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.
Common red flags
Spotting red flags is easier once you know what to look for in a home warranty. Here a few signs:
- Lack of communication: Call or email a home warranty company at various times and days before signing up. See how quickly the provider responds to each communication method. If the provider has long wait times over the phone or won’t respond to your email within three days, it will likely delay answering your claims requests.
- No sample contract: Avoid companies that don’t have a sample contract since you don’t know what their exclusions and limitations are.
- Poor customer reviews everywhere: We suggest visiting at least three third-party review websites to explore customer sentiments. Avoid providers that have a 1-star rating on each review site you check.
- Unbelievably low prices: Based on the hundreds of quotes we obtained for our national averages, a basic plan costs $41 per month, on average. If a home warranty provider offers its basic plan for less than $10, the provider likely has minimal coverage limits.
Understand home warranty sample contracts
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:
- Coverage options and limits: The coverage options and limits section provides the dollar amount the provider will pay to repair or replace a covered item. If the provider doesn’t include an item in this section, it likely doesn’t cover it.
- Limits of liability: The limits of liability are not the same as coverage limits — they outline terms and conditions that the provider won’t be responsible for in certain scenarios, such as removing mold from your home.
- Cancellation: You can find the cancellation policy toward the end of the sample contract. Some companies charge a cancellation fee or require you to request cancellation in writing.
Are home warranties regulated in New Jersey?
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.
Final take: HVAC coverage helps Liberty Home Guard and 2-10 Home Buyers stand out
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.
Our rating methodology for home warranty companies
We research and rate home warranty providers to help you choose the right one for your budget and home. Our research includes gathering customer insights via consumer surveys, interviewing industry experts, secret shopping all of the companies we review, and analyzing customer reviews from third-party review sites such as Trustpilot and BBB.
We score home warranty providers up to 100 points, which we then convert to a 5-star rating. Points are awarded in the following five categories:
- Coverage plans and extra features (31 points): Based on number and type of plans, add-on options, perks and state availability
- Price (20 points): Considers premiums for basic and comprehensive plans and service call fees
- Customer service (19 points): Based on response times, customer service hours, workmanship guarantees and cancellation fees
- Coverage limits (15 points): Favors companies that offer coverage caps of $2,000 or more for appliances and $3,000 or more for home systems
- Reputation (15 points): Based on ratings from consumer sites such as the Better Business Bureau and Trustpilot
Read our full home warranty company methodology for more information.
BBB reviews are accurate as of March 2024.
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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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