Home Warranty

7 best home warranty companies in Lodi, 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 Lodi. 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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Lodi, NJ

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You might be considering a home warranty to protect essential home systems and appliances. For a monthly fee, these policies cover repair and replacement costs when items such as AC units and refrigerators break down from normal wear and tear.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically malfunction after just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today go kaput after about 20 years.

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

Lodi's relentless rainfall can strain your home's roof and heating systems. We advise getting a home warranty to limit the cost of an unexpected home heating breakdown or roof leak. The companies below provide solid major system and appliance coverage and added perks.

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 Lodi

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

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 plans with a 60-day workmanship guarantee on completed repairs. Compared to other providers in this piece, it also provides the largest number of coverage add-ons – 38 in total.

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

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary 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

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

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 Lodi

You'll generally pay $41-$70 per month for a home warranty in Lodi, in line with the national average. Opting for annual payments means spending anywhere between $563.62-$927.48 for the year. To find the average home warranty plan cost, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

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

What are the typical items covered under a home warranty?

Cooktops
Washing machines
Dishwashers
Built-in microwaves
Clothes dryers
Refrigerators

The first category of items home warranties protect is kitchen items and outdoor appliances. This category includes the following: The second coverage category is major systems, which often consist of the following:

Water heater
HVAC
Electrical
Plumbing
Central vacuum

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, which are the items and circumstances it will not cover. Your contract will clearly specify each exclusion, so read carefully before you sign. One thing that home warranties exclude is damage outside normal wear and tear. For example, the warranty company could reject a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is a part of routine maintenance. Additionally, home warranties won't cover hazardous waste, preexisting conditions, rust or corrosion damage, improper system or appliance installation, cosmetic damage and acts of nature.

Questions to ask home warranty providers in Lodi

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

What items does 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. Also, many home warranty companies offer optional coverage, such as for spas or roof leaks. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Generally, a home warranty plan is valid for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies include a 30-day waiting period to stop customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with a multiyear plan.

What contractors do you work with?

Be sure to ask about the warranty provider's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might 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?

Each company's claims process will differ from the others. If a covered issue strikes, you could file a claim online or over the phone. Most companies try to address claims within 24 to 48 hours, though there might be processing delays if you filed outside normal working hours. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will set up an appointment 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 for free, while others levy a transfer fee. Home warranty companies may also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers can purchase these plans to raise their home's appeal in a competitive market.

Home warranty contract fine print

To complete your research, we recommend reading the home warranty provider’s detailed terms and sample contract prior to purchasing a plan. Knowing the company’s terms and conditions can help you decide if it’s the right one for your needs. It'll also help you be a better advocate for yourself if you need to file a claim. Below are several terms you should look for while reviewing the contract:

Service call fee: The service call fee is the amount you'll pay the home warranty company or service provider each time you file a claim. Fees typically range from $75–$125 per claim.
Cancellation: Each home warranty company has a cancellation policy in its fine print. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.
Coverage limit: The coverage limit puts a monetary cap on how much the home warranty company will pay per repair. There may be additional stipulations, such as an annual coverage limit.
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 suffer damage. Read your sample contract carefully to be aware of what is not covered.
Workmanship guarantee: Home warranties generally have workmanship guarantees that are at least 30 days long. If an in-network technician recently serviced your appliance or system, and you still have issues with it, the company won't assess an additional service call fee for new repairs.

Facts about Lodi

Average High in July

82°F

Lodi

83°F

National Average

Average Low in January

24°F

Lodi

17°F

National Average

Average Daily Sunlight

63%

Lodi

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 Lodi, New Jersey

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