New Jersey guide · Updated October 21, 2026

Best Home Warranty Companies in New Jersey

Many New Jersey homes are decades old, with boilers, older wiring and plumbing that has seen a lot of winters. A home warranty can help pay for covered repairs when systems and appliances wear out, but it is not a substitute for homeowners insurance.

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Availability changes by ZIP code. Enter yours to compare current plans and service fees side by side.

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Home warranty companies serving New Jersey

Listed in no particular order — not a ranking. The best fit depends on your home, your budget and the coverage you want.

Choice Home Warranty

Serves the state

Sells plans in this state. Pricing is shared in your personalized quote.

American Home Shield

Serves the state

Sells plans throughout this state, with no ZIP codes excluded in its latest targeting list.

Select Home Warranty

Serves the state

Sells plans in this state. Published starting rates and service-fee ranges appear on the comparison page.

First American Home Warranty

Some ZIP codes

Serves many, but not all, ZIP codes in this state. Your ZIP decides whether it appears.

What New Jersey homeowners should check

Heating systems work hard

Boilers, furnaces and oil or gas heat carry the load for months. Confirm the plan covers your heating type and check its repair limits.

Older homes and pre-existing conditions

Plans generally exclude problems that existed before coverage began. Keep maintenance records so a claim isn't questioned later.

Frozen pipes are usually insurance

Sudden water damage from a burst pipe is typically a homeowners insurance matter; a warranty may cover the pipe repair itself. Read both policies.

How New Jersey regulates home warranties

Agency: New Jersey Division of Consumer Affairs

Law: Service Contracts Act, N.J.S.A. 56:12-87 and following (not insurance)

Visit the agency site · All 50 states

Common questions

Are home warranty companies regulated in New Jersey?

We found no home warranty licensing program in New Jersey. Service Contracts Act, N.J.S.A. 56:12-87 and following (not insurance). Complaints go to the New Jersey Division of Consumer Affairs.

Is a home warranty worth it in New Jersey?

It depends on the age of your systems and appliances and how you'd handle a sudden repair bill. Compare plans and service fees for your ZIP before deciding.

Which home warranty companies serve my New Jersey address?

Availability can vary by ZIP code. Enter yours and the comparison shows only companies that aren't ruled out for your address.

More answers: Home warranty FAQ · Blog

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