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New Jersey is home to high humidity in the summer and regular snowfall during the winter. Over time, your central air conditioning and other home systems and appliances may malfunction due to normal wear and tear. A home warranty provides peace of mind by connecting you to a professional service provider who can repair or replace your essential systems and appliances.
Our team reviewed the nation’s best home warranty companies. Below, we rounded up the top five providers in the state of New Jersey.
The Top 5 Home Warranty Companies in New Jersey
Here are the providers we recommend for New Jersey homeowners:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- America’s 1st Choice Home Club : Best Membership Perks
- Cinch Home Services : Best Coverage Variety
Note that all pricing information used in this article is based on a single-family home (smaller than 5,000 square feet) in Deptford, New Jersey. Your pricing may vary depending on your home’s size and type, your location, and your add-on coverage and plan options.
Compare New Jersey’s Top Home Warranty Companies
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
American Home Shield
- Number of plans: Three
- Service call fee: $100–$125
- Get a quick quote: Visit American Home Shield’s site
American Home Shield (AHS) is a solid choice that offers extensive major appliance and home system coverage. Its three protection plans—ShieldSilver, ShieldGold, and ShieldPlatinum—cover common household systems and appliances ranging from doorbells to hot and cold water dispensers.
The ShieldSilver includes a $5,000 limit per covered system. The ShieldGold covers up to $2,000 per major appliance. Its premium plan, the ShieldPlatinum, increases the coverage cap to $4,000 per covered appliance, plus unlimited refrigerant coverage and more. In addition, American Home Shield offers three service call fees ranging from $100 to $125 per filed claim. If you select a higher service call fee, your monthly premium will be lower.
American Home Shield offers the following three plans:
ShieldSilver ($59.99–$79.99 per month): This plan includes coverage for doorbells and chimes, garage-door openers, ceiling fans, ductwork, attic and built-in exhaust fans, faucets, toilets, whirlpool tub motor components, water heaters, heating units plus interior electrical lines, main breaker, and fuse panel boxes. Covered systems include electrical, plumbing, air conditioning and heating systems, plumbing stoppages, and interior plumbing lines.
ShieldGold ($79.99–$99.99 per month): This plan includes everything in the ShieldSilver plan plus built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, instant cold and hot water dispensers, ovens, cooktops, ranges, and refrigerators.
ShieldPlatinum ($109.99–$129.99 per month): The ShieldPlatinum plan covers major systems and appliances plus roof-leak coverage, plumbing system modifications, unlimited refrigerant, and an increased coverage cap of $4,000 per covered appliance.
Read more: American Home Shield Review
Liberty Home Guard
- Number of plans: Three
- Service call fee: $65–$125
- Get a quick quote: Visit Liberty Home Guard’s site
Liberty Home Guard (LHG) is our top pick in New Jersey due to its positive customer feedback, easy-to-use 24/7 online claims and chat feature, and discounts for select new appliances. LHG offers three home warranty plans: the Appliance Guard, Systems Guard, and Total Home Guard.
Unlike many providers, LHG includes coverage for an additional air conditioner or HVAC system in its standard plans. The provider also extends a 60-day workmanship guarantee for completed repairs.
Liberty Home Guard assigns a service call fee from $65 to $125 based on your home’s type and size, your location, and your coverage and add-on selections.
Below are Liberty Home Guard’s plans and monthly prices:
Appliance Guard ($49.99 per month): This plan protects built-in microwave ovens, ceiling and exhaust fans, clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ranges, ovens, cooktops, and refrigerators with built-in ice makers.
Systems Guard ($54.99 per month): This plan protects air conditioning, electrical, heating and plumbing systems, ductwork, and water heaters.
Total Home Guard ($59.99 per month): This plan covers all items listed in its Appliance Guard and Systems Guard plans.
Read more: Liberty Home Guard Review
Select Home Warranty
- Number of plans: Three
- Service call fee: $75
- Get a quick quote: Visit Select Home Warranty’s site
Select Home Warranty is our final recommendation for New Jersey homeowners. Select offers a $3,000 cap for HVAC heating and cooling systems, plus $400 roof-leak repair coverage in every plan. Bronze Care covers eight appliances, and Gold Care covers six major systems. The Platinum Care plan combines coverage for all 14 major systems and appliances.
Select allows you to file a claim within two days of discovering a breakdown, which gives you more time than most home warranties that require a claim be filed immediately.
Below are Select Home Warranty’s three plans with monthly prices:
Bronze Care ($44.42 per month): The Bronze Care plan covers built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, ovens, refrigerators, and stovetops.
Gold Care ($44.42 per month): The Gold Care plan covers ductwork, water heaters, and cooling, heating, plumbing, and electrical systems.
Platinum Care ($47.75 per month): The Platinum Care plan combines everything in the Bronze Care and Gold Care plans.
Read more: Select Home Warranty Review
America’s 1st Choice Home Club
- Number of plans: Four
- Service call fee: $75–$125
- Get a quick quote: Visit AFC Home Club’s site
America’s 1st Choice Home Club (AFC Home Club) is a good choice if you enjoy the peace of mind of having an unlimited workmanship guarantee for your covered systems and appliances. AFC Home Club extends its workmanship guarantee for the length of your plan, whereas the industry standard is 30 days.
Additionally, AFC Home Club offers a $2,000 coverage cap for air conditioning and heating systems plus $3,000 per covered appliance. Note that covered items older than five years are subject to a depreciated value based on similar items.
Below are AFC Home Club’s four plans with monthly prices:
Silver Plan ($43.17–$47.75 per month): This plan covers clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators.
Systems Plan ($36.25–$40.83 per month): This plan covers ductwork, air conditioning, electrical, plumbing, and heating systems, plus water heaters.
Gold Plan ($50.00–$54.58 per month): This plan combines coverage for all Silver Plan and Systems Plan items.
Platinum Plan ($54.58–$59.17 per month): The Platinum Plan covers everything in the Gold Plan, plus built-in microwaves, faucets, ice makers, and plumbing stoppages.
Cinch Home Services
- Number of plans: Three
- Service call fee: $100–$150
- Get a quick quote: Visit Cinch Home Services’ site
Cinch Home Services is a reputable provider specializing in quick claims processing and offering comprehensive systems and appliance coverage. During standard business hours, Cinch can process your claim and send a service provider to your home within two hours. It provides three home protection plans that include a $10,000 annual coverage cap per covered system, appliance and add-on.
Cinch’s service call fees range from $100 to $150 per filed claim. The company includes a 180-day workmanship guarantee, which is six times longer than the industry average of 30 days. All plans include a $25 air conditioner or refrigerator filter credit. A notable exclusion from Cinch’s coverage is roof-leak repair, which most providers at least offer as an add-on.
Below are Cinch Home Services’ three plans with monthly prices:
Appliances ($55.99–$65.99 per month): This plan covers built-in food centers, microwaves and trash compactors, clothes washers, dryers, cooktops, dishwashers, freestanding ice makers, ranges and range exhaust hoods, refrigerators, and wall ovens.
Built-in Systems ($59.99–$71.99 per month): This plan covers air conditioning and heating systems, including ductwork, attic and ceiling fans, central vacuum, doorbells, electrical and plumbing systems, garage-door openers, garbage disposals, instant hot and cold water dispensers, smoke detectors, sump pumps, toilets, water heaters, and whirlpool and jetted tubs.
Complete Home Care ($69.99–$81.99 per month): This plan covers everything in the Appliances and Built-in Systems plans, plus adds a reimbursement for your homeowner’s insurance deductible of up to $500 annually.
Read more: Cinch Home Services Review
Home Warranty Regulations in New Jersey
Home warranty companies in New Jersey are regulated under the Division of Consumer Affairs within the Department of Law and Public Safety. To protect consumers, New Jersey requires home warranty providers to adhere to financial and record-keeping standards as well as other rules that protect you from misleading or unfair practices.
If you have a home warranty and believe the provider has not honored your contract, you can file a complaint with the Division of Consumer Affairs.
In addition to government oversight, home warranties are self-regulated by trade associations. For example, the National Home Service Contract Association (NHSCA) is a nonprofit industry trade organization consisting of member companies that follow a code of ethics regarding sound business practices.
Our team vetted dozens of home warranty providers in New Jersey and selected the best based on numerous factors, including coverage, value, and additional benefits. We recommend Liberty Home Guard due to its extensive add-on coverage options. American Home Shield is a good match for homeowners needing comprehensive coverage for many systems and appliances. Finally, Cinch Home Services provides a generous 180-day workmanship guarantee on completed repairs.
To ensure you find the right provider for your needs, we recommend you obtain quotes from at least three providers and read through sample contracts to understand the specific coverage limits and exclusions.
New Jersey Home Warranty Companies FAQ
Is a home warranty required in New Jersey?
Home warranties are an optional service for homeowners with an existing New Jersey home. If you are a home buyer purchasing a newly built home in New Jersey, your home will come with a state-required builder’s home warranty that guarantees the materials, workmanship, and performance of essential home systems such as air conditioning, heating, electrical, and plumbing systems.
What is a coverage cap?
A coverage cap is the maximum dollar amount a provider will pay for a specific appliance or home system breakdown. Certain providers, such as Liberty Home Guard, offer a generous coverage cap that can fully cover appliance and home system breakdowns.
How long does it take for a home warranty to fix my issue?
Your home warranty provider‘s response time may vary, but providers typically address claims within 48 business hours.
What does a home warranty not cover?
While every home warranty provider offers similar coverage for essential home systems and appliances, each provider will have unique coverage exclusions and limitations. For example, common items that home warranties typically don’t cover include the following: improper maintenance and installation of home systems and appliances, preexisting conditions, repairs or replacements due to missing parts, and toxic waste removal. Read your provider’s sample contract to understand coverage exclusions and limitations.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.
New Jersey Residents: The products being offered by the featured brands are service contracts and are separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.