Home Warranty

7 best home warranty companies in Ocean, 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 Ocean. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

Companies Selected

Filters

Location

Ocean, NJ

Choose a new location

Companies Selected

A home warranty gives you financial protection if an appliance or major home system suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items such as refrigerators and HVAC units when they break down from normal use.

Did you know that the typical life span of an HVAC system is seven to 25 years? Other major systems, such as water heaters, only last an average of six to 12 years. Most appliances last just 20 years or fewer, according to the International Association of Certified Home Inspectors.

If your Ocean home contains aging furnaces, dishwashers or other appliances, you'll probably encounter an untimely failure. These top home warranty firms provide robust coverage at fair prices.

A typical homeowners insurance policy doesn't cover normal appliance wear and tear. With a plan from one of these home warranty providers, you'll have additional reassurance in case of an unforeseen failure.

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 Ocean

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

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 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

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 Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

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 provides generous appliance coverage maximums in every plan. If you add the First American Advantage upgrade, miscellaneous items like appliance knobs and dials could also get protection.

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 Ocean

The average cost of a home warranty in Ocean is on par with the national average, ranging 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 various home appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll summarize what's generally included in home warranty coverage and what isn't.

What are the typical items covered under a home warranty?

Cooktops
Clothes dryers
Built-in microwaves
Washing machines
Dishwashers
Refrigerators

The first category of items home warranties cover is kitchen items and outdoor appliances. This category includes the following: When you purchase a home warranty, you're also getting coverage for major home systems. While different plans have different coverage scopes for this category, the following systems can be included:

Water heater
HVAC
Plumbing
Central vacuum
Electrical

What items are typically not covered under a home warranty?

Home warranties, similar to other service contracts, have coverage exclusions. Generally, home warranties won't cover item breakdowns caused by damage outside normal wear and tear. For example, if your air conditioner stops working due to a dirty air filter, home warranty companies likely won't cover the repairs since air filter replacement falls under routine maintenance.

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

Questions to ask home warranty providers in Ocean

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

What items will my policy cover?

Before asking a home warranty provider for a quote, write down the specific systems and appliances that you need covered. Then, verify the company has plans meeting your needs. Some companies separate appliance and system coverage into different plans. Companies might also offer additional coverage, like roof leak and lawn sprinkler system protection, as add-ons. Consider what supplements you might need and how much they'll add to the cost.

How long is my home warranty good for?

Standard home warranty contracts are valid for 12 months from the coverage effective date, which is usually 30 days after the initial sign-up date. Companies implement this 30-day waiting period to prevent 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 company'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?

Knowing more about your warranty company's claims process can improve your chances of getting a claim approved. Most companies accept claims through the web or via a 24/7 phone line. Once you file, the company will try to respond within one to two days. Filing outside normal business hours may lead to a slower process. Once the provider receives your claim, someone will examine the details and connect you with an in-network service provider. The contractor will schedule a visit, diagnose the problem, and then request final approval from the home warranty provider before starting 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 charge a transfer fee. Some home warranty companies also offer special coverage plans that are easily transferred to prospective buyers. Home sellers acquire these home warranty plans to increase their home's appeal.

Home warranty contract fine print

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

Cancellation: Each home warranty company has a cancellation policy in its sample contract. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.
Coverage limit: Your home warranty's coverage limit is the cap on how much the company pays per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Exclusions: Pay particular attention to the exclusions a warranty company lists in its fine print. For example, most home warranty sample contracts specify component exclusions for every item covered.
Service call fee: Similar to copays at the doctor or pharmacy, you'll have to pay a service call fee each time you file a home warranty claim. Most companies charge from $75 to $125 per claim.
Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company won't assess an additional service call fee for a repair if an in-network technician has recently tried to fix the item. The industry standard is 30 days, though some companies offer longer workmanship guarantees.

Facts about Ocean

Average High in July

82°F

Ocean

83°F

National Average

Average Low in January

26°F

Ocean

17°F

National Average

Average Daily Sunlight

65%

Ocean

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 Ocean, New Jersey

Filters