Home Warranty

7 best home warranty companies in North Brunswick, 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 North Brunswick. 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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You might be considering a home warranty to safeguard important 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 last 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 North Brunswick home contains aging dishwashers, furnaces or the like, you'll likely encounter an unexpected breakdown. These leading home warranty firms offer robust coverage at a fair price.

North Brunswick's wet, cool weather strains HVAC systems and roofs, so we recommend a home warranty to protect yourself from sudden breakdown repair costs. The providers we suggest offer strong coverage options and even a few 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 North Brunswick

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees if your covered item can't be fixed or replaced.

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

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional 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 has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your premium.

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 North Brunswick

The cost of a home warranty is on par with the national average, and it heavily relies on how frequently you prefer to make payments. The national average is about $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting 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
Clothes dryers
Washing machines
Built-in microwaves
Dishwashers

Major appliances form the first category of items that home warranties protect. This includes the following items: Major systems form the second category of covered items. The specific definition of what a "major system" is will vary between different plans. However, most include the following:

Electrical
HVAC
Central vacuum
Plumbing
Water heater

What items are typically not covered under a home warranty?

Each home warranty has exclusions, or things it will not cover. Your contract will clearly specify each exclusion, so read carefully before you sign. A common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, home warranties will likely not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is part of routine maintenance.

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

Questions to ask home warranty providers in North Brunswick

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

What items does my policy cover?

Determine what appliances and systems you need covered before getting home warranty quotes. This way, you can find a company that includes them. Some providers separate appliance and system coverage. Most home warranty companies also sell optional add-ons for things like roof leaks and additional refrigeration. 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, home warranty contracts last for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies require this 30-day waiting period to stop customers from filing claims for preexisting conditions. A home warranty may last longer than 12 months if you purchase a multiyear plan.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty companies will let you select your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in North Brunswick to get repair approval from the home warranty provider. You can verify a contractor's license by searching the New Jersey Division of Consumer Affairs database.

How does your claims approval process work?

Understanding the way a company’s claims process works often makes the difference between an approved claim and a denied one. Home warranty providers typically accept claims via their website or a 24/7 claims hotline. Typical response times are within one to two days of filing, though there may be processing delays if you file outside normal business hours. If the home warranty company initially approves your claim, they'll connect you to a service contractor from their network. The contractor will arrange a meeting with you to inspect and diagnose the problem. Once they get final approval from the warranty company, they'll proceed to make repairs and handle billing on your behalf.

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

Most home warranty companies permit you to transfer your policy to a new homeowner if you need to move. Sometimes, transfers will be free, and other times, the company will charge a transfer fee for the service. 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 offer the buyer added confidence.

Home warranty contract fine print

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

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.
Workmanship guarantee: Workmanship guarantees temporarily protect you from additional service call fees if an in-network technician unsuccessfully tried to fix a covered issue. Most guarantees are 30 days long, but some companies offer longer periods.
Service call fee: Whenever you file a claim, the home warranty or repair company will charge a service call fee. These fees typically range between $75 and $125.
Exclusions: Pay extra attention to the exclusions a company lists in its fine print. For example, most home warranty sample contracts specify component exclusions for each item under coverage.
Cancellation: Each home warranty company has a cancellation policy in its terms and conditions. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.

Facts about North Brunswick

Average High in July

83°F

North Brunswick

83°F

National Average

Average Low in January

24°F

North Brunswick

17°F

National Average

Average Daily Sunlight

63%

North Brunswick

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 North Brunswick, New Jersey

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