The 4 Best Home Warranties in New Jersey | 2021
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Best Overall
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Best Basic Plan
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Best Discounts
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Best for Contractor Choice
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Best Coverage Upgrade
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Best Plan Variety
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Best Membership Perks
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If your washing machine suddenly broke down, would you be able to cover the cost of a replacement? What if you needed to completely replace your home heating system? According to data from the Federal Reserve, 63 percent of American households would struggle to cover an unexpected bill of $500 or more. If you are a part of this 63 percent majority, even a minor home system or appliance breakdown can land your family in debt.
A home warranty is a type of home protection plan that provides you with more affordable repairs and replacements for your home's essential components. When you sign onto a home warranty policy, your plan provider will show you a list of all the home items included in your plan. You will then pay a monthly premium to keep your coverage current. If a covered home system or appliance breaks down, your home warranty in NJ will arrange a fix in exchange for a small service fee.
As a resident of the Garden State, you have a wide range of choices when it comes to selecting a policy. Our guide and reviews will help you choose the best home warranty in NJ for your family.
New Jersey's Best Home Warranty Companies
Best Overall: American Home Shield
Best Basic Plan: Choice Home Warranty
Best Discounts: Select Home Warranty
Best for Contractor Choice: Priority Home Warranty
American Home Shield: Best Overall
With more than 50 years of experience offering policies throughout the United States, American Home Shield is one of the country's oldest and most trusted home warranty providers. American Home Shield's policies offer above-average coverage limits when compared to competing providers. This extra coverage can be especially beneficial for homeowners in New Jersey, who may deal with expensive HVAC systems and electrical system breakdowns during the winter months.
American Home Shield Plans
American Home Shield currently offers three plan options to homeowners in New Jersey: the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans.
American Home Shield Optional Add-Ons
American Home Shield offers the following add-ons for an extra cost:
Pool and spa
Guest unit <750 sq. ft.
Well pump
Septic pump
American Home Shield Cost
In addition to your monthly premium, you will also pay a monthly service fee of $75, $100, or $125 each time you request service on your plan. You can choose your service fee amount when you first sign onto your plan. Selecting a higher service fee can save you money each month on your monthly premiums.
Listed below is what you can expect to pay per month and per year for your policy from American Home Shield:
Claim your free quote from American Home Shield by calling 844-529-9298 or by completing an online form.
Choice Home Warranty
With 13 years of experience servicing policies, Choice Home Warranty is another great choice for homeowners in New Jersey. Choice Home Warranty is best known for its simple, easy-to-understand plan options. Plans include coverage for some of the systems that are commonly damaged as a result of New Jersey's variable climate, such as your water heater and heating system.
Another major benefit that comes with selecting Choice Home Warranty is the company's coverage for older properties. Many homeowners in New Jersey live in older homes, and you might not have installation or service records for all of your systems and appliances. Choice will not deny your coverage based on the age of your home as long as all of your home components are functioning when you sign up for your plan.
Choice Home Warranty Plans
Choice Home Warranty currently offers two plans in New Jersey: Basic Plan and Total Plan.
Choice Home Warranty Optional Add-Ons
Choice Home Warranty offers the following optional coverage:
Roof leak
Septic system
Septic tank pumping
Well pump
Sump pump
Second refrigerator
Stand-alone freezer
Central vacuum
Pool and spa
Choice Home Warranty Cost
In addition to your monthly policy premium, you will also pay a flat-rate $85 service fee each time you request service from Choice Home Warranty. This fee is a bit higher than competing providers' in New Jersey.
Listed below is what you can expect to pay for your plan from Choice Home Warranty:
You can save money if you provide an upfront payment for 13 months—the Basic Plan will cost $560 and the Total Plan will cost $660.
Claim your free quote from Choice Home Warranty by calling 929-400-6165 or by completing an online form.
Select Home Warranty
Depending on the home warranty in NJ you choose, you could end up spending up to $50 a month for coverage. If you are looking for comprehensive home system and appliance coverage that doesn't break the bank, consider Select Home Warranty. With three plans available for less than $40 per month and industry-average service fees, Select can provide New Jersey homeowners with more affordable coverage.
Select Home Warranty is also one of the only companies we have seen to offer free roof leak coverage on all plans. This can be a major benefit for New Jersey homeowners, whose location close to the Atlantic Ocean may make roofing damage more likely due to harsh weather conditions.
Select Home Warranty Plans
Select Home Warranty currently offers three plan options: Bronze Care, Gold Care, and Platinum Care.
Select Home Warranty Optional Add Ons
Select Home Warranty offers the following add-ons:
Pool and spa equipment
Well pump
Sump pump
Central vacuum
Stand-alone freezer
Lawn sprinkler system
Septic system
Rare Perk
One unique, useful feature of Select Home Warranty is that it provides free roof coverage in its plans, which is about a $99 value for free.
Select Home Warranty Cost
You will also pay a $75 service fee each time you use your coverage and claim a repair or replacement. Listed below is what you can expect to pay monthly and annually for your plan from Select Home Warranty:
Claim your free quote from Select Home Warranty by calling 888-370-3956 or by completing an online form.
Priority Home Warranty
Priority Home Warranty offers basic and comprehensive plans with flexible payment options and 24/7 customer service, both online and by telephone. The company also offers many user-friendly online services, including a customer portal and a two-step claims process.
Like many home warranty companies, Priority Home Warranty allows homeowners to pick their contractor for a repair or replacement that is covered under warranty. Priority stands out amongst its competitors, however, for its reimbursement policy with regard to contractor selection. Customers can move forward with a home repair or replacement project using a technician they trust while still being backed by Priority's 90-day workmanship guarantee, and Priority will reimburse policyholders for the cost of contractor work.
Priority Home Warranty Plans
Priority Home Warranty offers three plans: Systems Home Care, Appliance Home Care, and Total Home Care. The Systems Home Care plan is best for covering major systems, such as your electrical system and water heater. The Appliance Home Care plan covers major appliances, including your clothes washer and clothes dryer. The Total Home Care plan, which covers everything in the Systems Home Care and Appliance Home Care plans, provides the most comprehensive coverage.
Here's what each home warranty plan covers:
Priority Home Warranty Optional Add-Ons
Priority Home Warranty offers 20 additional coverage options beyond coverage for home appliances and systems that can be purchased with any plan:
Ice maker
Second dishwasher
Second tankless water heater
Second clothes washer
Second clothes dryer
Second refrigerator
Second oven/range/stove
Second air conditioner
Standalone freezer
Septic pumping
Septic system
Water softener
Tankless water heater
Central vacuum
Sump pump
Well pump
Limited roof-leak coverage
Pool and spa
Saltwater pool system
Over 5,000 square feet
Priority Home Warranty Cost
Priority Home Warranty offers the Systems Home Care and Appliances Home Care plans at $33 per month each and the Total Home Care plan at $47 per month, regardless of location. Priority also charges a $70 service call fee every time a technician comes out to perform a repair or replacement. Note: Plan prices will vary depending on any add-on coverage.
Here's a breakdown of our sample quote prices monthly and annually:
Priority Home Warranty's add-ons are more affordable than those offered by some of the company's competitors. Prices for additional coverage range from $3 on items like an ice maker or second freezer to $27 for a saltwater pool system. Most pools and spas can be added for $15 and coverage for a septic system or limited roof leaks costs $10 and $6, respectively.Get a free quote from Priority Home Warranty by filling out this short online form or calling 954-228-2343.
What to Consider for a New Jersey Home Warranty
Homeowners in New Jersey may face a number of unique home appliance and system issues due to the Garden State's location and proximity to the Atlantic Ocean. Here are a few factors you might want to consider when selecting a home warranty in New Jersey:
HVAC Coverage and Coverage Limits
New Jersey experiences a full range of seasons—summers can be hot and humid, while winter temperatures may dip into the single digits. These drastic differences between seasons can put excess strain on your home's HVAC system, which might make breakdowns more likely to occur.
As a homeowner in New Jersey, be sure to carefully consider systems coverage limits when comparing policies. HVAC systems are often one of the most expensive systems in your home to repair or replace, so it's worth investing the time to compare coverage limits. If you have consistent issues with your system, you may want to consider buying your plan from American Home Shield, which offers higher coverage limits for HVAC systems.
Septic System Coverage
If you are one of the many homeowners in New Jersey living in a rural area, you probably have a septic system on your property. While most home warranty companies do not include coverage for septic systems as standard inclusions, you can usually add this coverage onto your policy for a few extra dollars a month. If you have this system on your property, look for a home warranty in NJ that offers affordable septic system coverage.
Roof Leaks
New Jersey's location on the Atlantic Ocean can mean harsher summer and spring showers, as well as high winds as hurricanes move up the coast. If your home has an older roof, you might want to consider adding roof leak coverage to your plan.
Limited roof leak coverage extends your policy to include minor roofing repair issues not covered by your homeowner's insurance. Select Home Warranty offers this policy as a complementary coverage on all plans.
Home Warranty Rating Methodology
The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.
Here's what our review process looks like:
We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.
We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:
Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.
