Home Warranty

7 best home warranty companies in Barnegat, New Jersey

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Barnegat. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Home warranties offer a financial buffer to fix or replace appliances that suddenly fail. For a monthly fee, these policies insure items such as AC units and refrigerators when they stop working from regular wear and tear.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Barnegat house contains any aging furnaces, dishwashers or other appliances, you'll likely face an unexpected breakdown. These top home warranty providers offer robust coverage at reasonable prices.

Homeowners insurance doesn't cover appliance failures due to normal wear and tear, so having a home warranty can give you an additional buffer against the unexpected. We've done the research to find what home warranty providers have the best major appliance and system coverage.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Barnegat

Here's our list of the best home warranty companies in Barnegat:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

What we like

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

What we don't like

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

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

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

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

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

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American Home Warranty has comprehensive coverage caps for appliances in each plan. Additionally, First American includes its First American Advantage upgrade in its Essential and Premium plans. This upgrade provides coverage for miscellaneous items, such as appliance knobs and dials.

What we like

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

What we don't like

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

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

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

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

What we like

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

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Barnegat

The average cost of a home warranty in Barnegat is on par with the national average, running from $40.91 to $77.05 per month. If you prefer to pay an annual premium, expect to pay between $563.62 and $927.43 per year. To calculate national averages, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties protect a variety of major systems and home appliances. We'll present a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Cooktops
Refrigerators
Dishwashers
Washing machines
Built-in microwaves
Clothes dryers

The first category of items a home warranty provides coverage for is major appliances. This covers the following: Major systems form the second category of covered items. The specific definition of what a "major system" is will differ between different plans. However, most consist of the following:

Electrical
HVAC
Water heater
Central vacuum
Plumbing

What items are typically not covered under a home warranty?

As with many other service contracts, home warranties won't cover certain appliances or components. These are called exclusions. One common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, the warranty would probably not cover an air conditioner malfunctioning due to a dirty air filter, since replacing the filter is a part of routine maintenance.

Cosmetic damage
Preexisting conditions
Hazardous waste
Acts of nature
Improper system or appliance installation
Rust or corrosion damage

Questions to ask home warranty providers in Barnegat

Ask each home warranty provider these questions before you purchase a plan.

What items would my policy cover?

Before asking a home warranty provider for a quote, write down the specific systems and appliances that you need covered. Then, confirm the company has plans meeting your needs. Some companies separate appliance and system coverage into different plans. Most home warranty companies also sell optional add-ons for things like lawn sprinkler systems and swimming pools. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

Generally, a home warranty plan has a duration of 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies put in a 30-day waiting period to prevent customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.

What contractors do you work with?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If there are no in-network contractors near you, the warranty company may let you choose your own. You can verify a contractor's license by searching the New Jersey Division of Consumer Affairs database.

How does your claims approval process work?

Knowledge of your warranty company's claim process can make all the difference between an approval and a denial. If you're facing a covered issue, you can usually file a claim via a phone hotline or online. While most claims should have a one to two-day turnaround, there might be delays if you filed outside standard business hours. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will arrange a visit to diagnose the problem, and then seek final authorization from the warranty company for any necessary repairs.

Can I transfer my policy to the next owner of my home?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies oversee the transfer without cost, while others charge a transfer fee. Sellers can also purchase special home warranty plans that are readily transferable to prospective buyers. This is a straightforward way to add appeal to your home to your home in a competitive real estate market and give the buyer extra reassurance.

Home warranty contract fine print

Before you select a home warranty, examine its terms and conditions to ensure they're compatible with your needs. As you read through the sample contract, look for these key details and clauses:

Service call fee: The service call fee is how much you'll pay the home warranty company or service provider for every claim. Fees typically range from $75–$125 per claim.
Workmanship guarantee: Workmanship guarantees help protect you from additional service call fees if an in-network technician failed to completely fix a covered issue. Most guarantees are 30 days long, though some companies offer longer periods.
Exclusions: Home warranties have both general exclusions and component-specific ones. Even if an appliance or system is generally covered, your warranty might not cover some specific parts if they become damaged. Read your sample contract carefully to understand the exclusions.
Cancellation: Companies commonly detail how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Coverage limit: Each home warranty has a coverage limit that sets how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.

Facts about Barnegat

Average High in July

83°F

Barnegat

83°F

National Average

Average Low in January

27°F

Barnegat

17°F

National Average

Average Daily Sunlight

66%

Barnegat

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

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. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Barnegat, New Jersey

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