Home warranty in New Jersey
New Jersey has some of the oldest housing stock in the country, and its four distinct seasons — plus the occasional coastal storm — mean home systems and appliances take a real beating over the years. A home warranty1 plan can help New Jersey homeowners manage the cost when something inevitably wears out.
Find the right plan for you
You're just a few clicks away from protection for the unexpected! Choose the coverage you need for your home, and rest easy knowing you'll have a partner to back you up if a covered item breaks.*
Covers repairs to 37 essential home appliances and systems you rely on every day.
Get a quote-
Heating & air conditioning systems -
Electrical & plumbing systems -
Kitchen & laundry appliances
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Up to $1,000 per covered repair
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2 units per appliance covered -
$10,000 total limit per agreement term
For just dollars more per month, this plan goes beyond repairs with coverage for replacements, too.
Get a quote-
Heating & air conditioning systems -
Electrical & plumbing systems -
Kitchen & laundry appliances
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Up to $2,000 per covered appliance
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2 units per appliance covered
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$500 homeowners insurance deductible reimbursement1
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$10,000 total limit per agreement term
From your refrigerator to your outside water line, to electrical permits and more — this plan gives you the most coverage and control.
Get a quote-
Heating & air conditioning systems -
Electrical & plumbing systems -
Kitchen & laundry appliances
-
Up to $2,000 per covered appliance
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2 units per appliance covered -
$500 homeowners insurance deductible reimbursement1
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Outside water, sewer and gas lines
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Additional $2,000 for expenses like electrical permits, equipment disposal and more2
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$10,000 total limit per agreement term
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Millions of homeowners have chosen us since 1978!
Find the perfect home warranty plan that puts you in control of your home.
Common home repairs in the Garden State
New Jersey has one of the oldest median home ages in the country, and between humid summers, cold winters and the occasional nor'easter or coastal storm, homes here see plenty of wear and tear. Here are some of the most common repairs New Jersey homeowners run into:
- HVAC systems: New Jersey's four distinct seasons mean furnaces and air conditioners are both put to the test throughout the year, making HVAC one of the most common sources of repair calls.
- Plumbing: With so much of the state's housing stock decades old, corroded pipes and aging water heaters are a frequent source of trouble.
- Electrical systems: Older homes in cities like Newark and Trenton may have outdated wiring and panels that struggle to keep up with modern appliance loads.
- Appliances: Refrigerators, washers and dryers see heavy daily use and are among the most common home warranty1 claims in the state.
Home warranty coverage in New Jersey: What your plan should include
Given how old much of New Jersey's housing stock is, a home warranty plan should, at minimum, include strong HVAC and plumbing coverage. From there, consider a plan that also covers the household appliances you rely on daily, such as:
- Refrigerators
- Dishwashers
- Washers and dryers
- Water heaters
How does a home warranty work in New Jersey
Place a service request anytime
When a covered appliance or system breaks down, submit a service request online or by phone 24/7.
We'll send out a pro
We match your repair request with one of our thousands of vetted service providers.
We get you back up and running!
You depend on your home's major appliances and systems. That's why we'll make you a priority.
What to look for in a home warranty company in New Jersey
Here's how to pick the right home warranty in New Jersey:
- Prioritize clarity above all else. A good provider states plainly what's covered, what isn't, and what it costs — no hunting through fine print. Look for easy-to-understand plan options and a workmanship guarantee, and request a sample contract so you understand the claims process before you commit.
- Do your homework on their reputation. Go beyond star ratings and read the actual reviews from New Jersey homeowners. Be wary of companies with very few reviews, since that can signal they aren't well established, and don't over-weight a handful of negatives when feedback is mostly positive. Check several review sites, and use consumer reports like ConsumerAffairs for a deeper look at how companies actually perform.
- Consider the service provider network. Even excellent coverage is only as good as the technicians behind it. Look for a large network of highly rated pros, flexible scheduling, and support that's easy to reach. Also weigh service fees — the out-of-pocket cost each time a technician comes out — since these vary by plan and shape the real price more than the monthly premium does.
Clear terms, dependable service, and a smooth claims process are what separate a great home warranty from a frustrating one.
Frequently asked questions
When can you buy a home warranty in New Jersey?
In New Jersey, you can buy a home warranty at any time, regardles of the age of your home or how long you've lived there.
What is a home warranty?
A home warranty is a service agreement between a homeowner and a company that states the terms under which the company will help cover the repair costs of home systems and appliances for a given period.
How long does a home warranty last in New Jersey?
The typical length of a home warranty agreement in New Jersey is one year.
Which New Jersey home warranty covers the most?
This depends on your specific plan with the home warranty company you select.
Is there a difference between homeowners insurance and a home warranty in New Jersey?
Yes, there’s an easy way to explain the difference between homeowners insurance and a home warranty. Homeowners insurance covers catastrophic, unforeseen events such as accidents and fires. Home warranty protection, on the other hand, covers the appliances and systems in your home that fail due to normal wear and tear. When things such as your HVAC or refrigerator stop working due to normal wear and tear, a home warranty plan may make it easier (and cheaper) to repair or replace them.
Is a home warranty required in New Jersey?
No, home warranties are not required in New Jersey.
How does a home warranty work for New Jersey real state sellers?
New Jersey real estate sellers can acquire a home warranty plan for coverage for repairs or replacements of major appliances and home systems when they experience mechanical failure due to normal wear and tear during the listing period. Essentially, the home warranty helps protect the seller from unexpected repair costs if a covered item breaks down while the house is on the market.
How can you renew your home warranty in New Jersey?
With most home warranty companies in New Jersey, you'll be notified in advance whether you need to renew, or if you're already on an automatically renewing plan, you'll also be notified of any rate and/or coverage changes, no less than 30 days before your current agreement expires.
Who pays for the home warranty at closing?
In real estate, a home warranty can be paid for by the buyer or the seller at closing. For the seller, paying for a home warranty can make the property seem more appealing and help reduce the cost of repairs while the home is on the market. From the buyer's perspective, having a home warranty can provide peace of mind when moving in – especially if they purchase an older home.
What happens when a home warranty lapses?
A home warranty lapse happens if you cancel your agreement or if your agreement isn't set to auto-renew and you forget to renew it. If this happens, you'll typically have to wait 30 days before your appliances and systems are covered again. During this lapsed period, you'll be financially responsible for any repairs you may need to your household appliances.
Homeowners have chosen us for more than 45 years! See what our happiest customers in New Jersey have to say...
I am very happy with Cinch. Submitting a claim with Cinch was straightforward; they sent someone out quickly. The service was much faster compared to other home warranties I've previously used. Their quick and efficient service stands out. My granddaughter submitted the claim online, and they called me soon after to set up an appointment. The tech arrived the next day, which was very convenient.
I haven't had many claims, but the one experience I had was handled swiftly and met my expectations. I rate my experience with Cinch as fabulous. Their customer service is excellent, as are the services they provide.
Cinch takes care of the customer when there's a problem. The person they decide to use follows up and texts you every step. They have good customer service and always present themselves well. Whenever you have a question, they're always there to answer it. Recently, my water heater was leaking. It couldn't be fixed so it had to be replaced. If I know somebody's looking for a home warranty, I always tell them about Cinch Home Services. They're wonderful. You don't have to go out there and look for anyone to fix anything for you ‘cause they got your back.
My experience when submitting a claim was very seamless and effortless. The tech who came knew what the issue was with the heater immediately and he ordered the fan motor. They had it the next morning and he came and put it in the next morning. It was during the winter when I didn't have heat because of it and they were really fast and on the ball.
TAKE THE UNCERTAINTY OUT OF HOMEOWNERSHIP
We encountered an issue retrieving plan details for your area. Please return to the previous page and try again.
Millions of homeowners have chosen us since 1978!
Find the perfect home warranty plan that puts you in control of your home.
Cinch Home Services has fully vetted Service Technicians in the state of New Jersey
Some of the New Jersey cities where Cinch Home Services offers coverage:
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Bayonne
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Brick
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Camden
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Cherry Hill
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Clifton
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East Orange
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Edison
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Elizabeth
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Franklin
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Hamilton
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Jersey City
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Lakewood
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Newark
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Old Bridge
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Passaic
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Paterson
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Toms River
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Trenton
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Union City
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Woodbridge
*Important Details
Plans, offers, and prices shown may not be available in all states and vary by location, plan type, and any applicable sales tax. Discount applies to the first year of a new annual home protection plan. Excludes optional coverage and add-ons. Cannot be combined with any other offer.
Terms and conditions apply to all plans offered. See sample plan agreement for details. A sample can be requested by calling our toll-free number.
Our blog library may link to third-party sites that offer products, services, coaches, consultants, and/or experts. Any such link is provided for reference only and not intended as an endorsement or statement that the information provided by the other party is accurate. We are not compensated for any products or services purchased from these third-party links.
1Reimburses you up to $500 when you have to pay a deductible on a covered homeowners insurance claim. Only one reimbursement benefit per claim occurrence and only one claim per member per 12-month period. Additional terms and conditions apply, which will be included in your plan materials you receive after enrollment. This benefit is provided by an unaffiliated third party under an insurance policy issued to Cinch Home Services, Inc. for the benefit of customers enrolled by Cinch Insurance Agency, Inc., an affiliate of Cinch Home Services, Inc., California Cinch Home Services, Inc., HomeSure Services, Inc., HomeSure of America, Inc. and HomeSure of Virginia, Inc.
2Provides up to $2,000 of coverage per year (two claims of up to $1,000 each) when there are non-covered charges associated with a covered claim, such as permits and equipment disposal.