Best Home Warranty Companies in New Jersey (2023)

Investing in a New Jersey home warranty can provide peace of mind to homeowners and ensure that if a system or appliance were to fail or break down from regular use, it’d be covered. Not to mention, a home warranty can save homeowners the time and money of trying to find a trusted technician to complete the necessary repairs.

Because finding a home warranty plan that fits your needs can be just as much of a hassle as managing home repairs on a system or appliance, the This Old House Review team has reviewed the best home warranty companies in New Jersey to make your search easier.

New Jersey’s Top 5 Home Warranty Companies

The highest rated home warranty companies in NJ include:

• Liberty Home Guard: Best Customer Ratings
• American Home Shield: Best Coverage Caps
• Select Home Warranty: Best Value
• Cinch Home Services: Best Additional Perks
• AFC Home Club: Best for Customization

Liberty Home Guard

Liberty Home Guard is our top pick due to a few unique offerings that make it stand out among other providers. These include a built-in live chat feature on its website, 24-hour claim response time, optional pest control coverage, and a whopping 30 add-on coverage options—the most add-ons of any provider on this list.

Here are a few benefits of Liberty Home Guard:

• 60-day workmanship guarantee
• Built-in live chat feature on their website
• 38 add-on coverage options

Plans and Pricing

Liberty Home Guard offers three plans, including systems-exclusive, appliance-exclusive, and comprehensive plans. Liberty’s plans range from $49 to $60 per month. Liberty Home Guard assigns a service call fee between $65 and $125 to your account based on your plan, add-ons, and locations, but customers may be eligible for discounted service fees on multi-year plans.

Learn more: Liberty Home Guard Review

American Home Shield

American Home Shield (AHS) is another solid home warranty company for New Jersey homeowners. AHS has nearly 50 years of industry experience and has served more than 1.8 million customers across the United States. It’s accredited with the Better Business Bureau and has a solid B rating.

Here are just a few American Home Shield benefits:

• Customer service available 24 hours a day, seven days a week
• No limit on the number of repairs during the contract period
• No home inspection needed to start coverage

Plans and Pricing

AHS offers three coverage plans—the ShieldSilver, ShieldGold, and ShieldPlatinum. Among the three, you can find extensive coverage for major household systems, or appliances and systems.

American Home Shield plans cost $40–$110 per month for New Jersey homeowners. The company allows you to select a service fee of $75, $100, or $125, giving flexibility to customers who are on a budget.

Select Home Warranty

All three of Select Home Warranty’s plans cost less than $50 per month with roof-leak coverage included free in every plan, which is a rare perk in the industry. Select is a solid option for budget-conscious homeowners.

Here are just a few Select Home Warranty benefits:

• All plans are under $50
• 90-day workmanship guarantee
• Roof leak coverage with every plan

Plans and Pricing

Select Home Warranty plans cost between $44 and $48 per month. The Bronze Care plan covers eight essential home appliances, including your laundry machines and refrigerator. The Gold Care package covers six built-in home systems such as your air conditioning, heating, and ductwork. Roof-leak coverage is offered with every plan. Select’s service call fee is $75.

Learn more: Select Home Warranty Review

Cinch Home Services

Cinch Home Services is an impressive home warranty provider that offers coverage on up to 28 home systems and appliances with its three comprehensive plans. It stands out among competitors for offering additional perks, such as a $25 credit for air conditioner or refrigerator filters, and a $500 reimbursement for your homeowners insurance deductible with the Complete Home Plan.

Here are a few other benefits of Cinch Home Services:

• Provides a 180-day workmanship guarantee
• Has an optional Premier Upgrade Package that covers up to $2,000 for permits, code violations, disposal costs, and other items
• Covers up to two HVAC units and appliances

Plans and Pricing

Cinch Home Services offers three plans: the Appliances Plan, the Built-in Systems Plan, and the Complete Home Plan. Cinch allows customers to choose a service call fee from $100, $125, or $150, and the monthly plan pricing varies depending on your service fee choice. However, plans usually fall between $56 and $82 per month based on the quotes we received in New Jersey.

The Appliances Plan covers 12 kitchen and laundry appliances, such as your refrigerator, oven, range, clothes washer, and dryer. The Built-in Systems Plan covers 16 major systems, including your heating, cooling, electrical system, toilets, sump pump, smoke detectors, and plumbing. The Complete Home Plan covers all 28 items plus up to $500 for a reimbursement on a homeowners insurance deductible you may have to pay your insurer during your contract.

Learn more: Cinch Home Services Review

AFC Home Club

If you’re looking for the best plan customization, AFC Home Club is a great option since it offers four different plans, three service call fees, and three-year contract options.

Below are a few additional benefits offered by AFC Home Club:

• Has a workmanship guarantee that lasts for the lifetime of the plan (up to three years)
• Memberships include benefits, such as home security discounts and free credit monitoring
• Doesn’t require a coverage waiting period with a valid home inspection

Plans and Pricing

AFC Home Club offers four plans with prices ranging from $40–$62 per month depending on your preferred service call fee of $75, $100, or $125. You can save money by paying yearly or signing up for a three-year contract with payments split between 20 months.

AFC Home Club’s Systems Plan covers your heating, cooling, plumbing, electrical system, and water heater. The Silver Plan covers appliances, such as a clothes washer, dryer, and refrigerator. The Gold Plan covers a combination of all 15 items in the Silver and Systems Plans, and the Platinum Plan extends coverage to plumbing stoppages, faucets, ice makers, and built-in microwaves.

Learn more: AFC Home Club Review

Our Conclusion

Whether you’re a New Jersey homeowner, real estate agent, home seller, or first-time home buyer, you can find peace of mind with a home warranty protection from any of the companies listed in this review. We recommend getting quotes from all home warranty companies listed so that you can compare prices and benefits before purchasing a plan.

Our Rating Methodology

The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.