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Best 7 Home Warranty Companies in Union City, NJ

  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Many New Jersey homeowners rely on air conditioning to keep cool in the summer, and on appliances such as dishwashers and washing machines for ease and convenience. When one of these stops working, repairs can be costly.

A home warranty plan helps mitigate the cost of repairs and replacements, but picking the right provider can be a headache. That's why our team has researched a list of the top home warranty providers in Union City, New Jersey.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • 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

7 Best Home Warranty Companies in Union City

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • 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

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • 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

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Union City

  • Average Max Temperature:
    60°F
  • Average Min Temperature:
    46°F
  • Average Annual Snowfall:
    29.8”
  • Homeownership Rate:
    32%
  • Median Home Size:
    1,033 sqft
  • Median Home Price:
    $507,681

Are Home Warranties Worth It for Union City Residents?

Home warranties are valuable for Union City residents. Union City can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.

Winters in Union City can be fairly mild, but there are still times when you want to have a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide.

Union City's heavy rain can cause damage to your roof. Some home warranty companies offer limited roof-leak protection, which can mitigate the cost of roof repair.

Lastly, home warranties connect you with reliable service providers. Reputable home warranty companies vet every service provider they use. If you're busy with work or other priorities, investing in a home warranty ensures you have access to trustworthy technicians.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you choose the best home warranty plan for your needs.

Cost

We received 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are typically less expensive than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.

Coverage

Figure out which systems and appliances you use the most. You want your home warranty plan to cover these items. Most plans can be customized to your needs, and many companies offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. Here is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, consider a provider's coverage limits. A plan with higher coverage caps makes more sense if you own older systems or appliances. However, based on our research, a company with higher coverage caps will typically charge higher premiums.

Exclusions

Usually, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance aren't covered either. Providers will outline exclusions and limitations in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.

Provider Reputation

Provider reputation is another important factor to consider. You can read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles claims and customer service. Check with the New Jersey Division of Consumer Affairs to verify the status of a provider's state license.

Contractor Network

Consider a home warranty company's service provider network. Companies should always send licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Those who live in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.

Frequently Asked Questions about Home Warranty in Union City

More Home Warranty Resources

Sources

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

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