Skip to main content

We have updated our Privacy Policy and Terms of Use Effective July 1

Best 7 Home Warranty Companies in Jersey City, NJ

  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Many homeowners in New Jersey depend on their air conditioning to stay cool in the summer, and on appliances such as dishwashers and washing machines for ease and convenience. When one of these stops working, repair costs can add up.

A home warranty plan can help you avoid paying full price for repairs or replacements, but choosing a provider can be a headache. That's why our team has researched a list of the top home warranty providers in Jersey City, New Jersey.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

7 Best Home Warranty Companies in Jersey City

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls
  • Offers replacement of some covered items that are too damaged to repair

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Jersey City

  • Average Max Temperature:
    60°F
  • Average Min Temperature:
    46°F
  • Average Annual Snowfall:
    28.5”
  • Homeownership Rate:
    32%
  • Median Home Size:
    1,033 sqft
  • Median Home Price:
    $653,700

Are Home Warranties Worth It for Jersey City Residents?

Home warranties are worth it for Jersey City residents. Summers in Jersey City can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Winters in Jersey City can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.

Jersey City's heavy rain can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair.

Finally, your home warranty will connect you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians. If you don't have time to do the research yourself, your home warranty company can give you peace of mind that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

These important factors can help you select the best home warranty plan for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before choosing a plan.

Coverage

Determine which systems and appliances you use most frequently. Most home warranty providers offer customizable coverage tailored to your needs. If you only need coverage for select systems, like your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for certain appliances. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, consider a provider's coverage limits. A plan with higher coverage caps may be a better choice if you own older appliances or systems. However, our research shows that companies with higher coverage caps usually charge higher premiums.

Exclusions

Home warranties usually only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand your plan's terms and conditions.

Provider Reputation

Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Looking at reviews can give you a sense of how companies handle claims and customer service. Check with the New Jersey Division of Consumer Affairs to verify a provider's state license.

Contractor Network

Take into account a home warranty company's service provider network. Ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, and customers might need to source their own.

Frequently Asked Questions about Home Warranty in Jersey City

More Home Warranty Resources

Sources

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

Explore Useful Articles On Home Warranty

What Is a Home Warranty?

What Is a Home Warranty?

Dana Getz-April 26, 2024

How to Buy a Home Warranty (2024 Guide)

How to Buy a Home Warranty (2024 Guide)

Dana Getz-April 2, 2024

Home Warranty Regulation

Home Warranty Regulation

Dana Getz-April 2, 2024

Related Cost Guides

How Much Does a Home Warranty Cost? (June 2024)

How Much Does a Home Warranty Cost? (June 2024)

Stephanie Koncewicz-May 15, 2024

What Does a Home Warranty Cost a Seller?

What Does a Home Warranty Cost a Seller?

Dana Getz-April 3, 2024