Best Home Warranty Companies in New Jersey

By Kelly Boyer Sagert

From water heaters to air conditioning systems, your property is made up of a wide range of expensive systems and appliances. The right home warranty coverage can help you get the repairs and replacements you need for these components without spending thousands of dollars. 

Choosing the best home warranty company doesn’t need to mean endlessly scouring the internet. Our guide to home warranty coverage in New Jersey will make finding a policy easier.

New Jersey’s top 5 home warranty companies

Best HVAC Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $28–$43 per month
Editor's Choice

  • 2 plans available + optional add-ons
  • Has over 10 years of industry experience
  • 90-day repair guarantee
  • $36–$44 per month
Most comprehensive coverage

  • Offers 4 plans + optional add-ons
  • Guarantees parts and labor for the life of your membership
  • Lets members select their own service technician
  • Has unique benefits like free credit monitoring and discounted supplies

our rating9.1

AFC Home Club review
Most trustworthy

  • All three available plans are under $60.00 per month
  • Has a 60-day workmanship guarantee on all repairs
  • Offers optional add-ons for up to 20 items
  • Customer service available 24 hours a day, seven days a week
Most cost-effective plans

  • Provides free roof leak coverage
  • Has optional septic system coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Get 2 extra months free when you sign up today

Top home maintenance problems in New Jersey

Below, you can find information on a few of the most common issues you might face as a homeowner in New Jersey that are covered by most home warranty policies.

  • Heating system breakdowns: Winters in New Jersey can dip into single-digit temperatures, which can cause you to spend more time indoors using your heating system. This increased usage can cause your system to wear down more quickly, leading to more breakdowns. A home warranty in New Jersey with systems coverage can help you tackle these oftentimes expensive repairs.
  • Electrical system shortages: New Jersey is prone to blizzards in the winter and heavy rains in the spring and summer. This precipitation can cause your home’s electrical system to wear down more quickly. Home warranties that provide system coverage will also protect your home’s electrical system.
  • Slow water heaters: New Jersey’s harsh winters can also take a toll on your water heater, since it has to work harder to heat up water for you. Like heating and electrical systems, your hot water heater is protected with systems coverage.

1. First American Home Warranty

First American Home Warranty has been in business for upwards of 35 years. The company’s defining feature is its First Class Upgrade, which extends your home warranty coverage to include expenses like building permits and refrigerant recapture.

First American currently offers two policy options:

  • Basic Plan ($28 per month): The Basic Plan includes coverage for nine home appliances.
  • Premier Plan ($42.50 per month): The Premier Plan includes coverage for all appliances in the Basic Plan plus eight home systems.

In addition to your monthly premium, you’ll also pay a $75 service fee each time you use your coverage.

Claim your free quote from First American Home Warranty by completing this online form or calling 833-204-7164

2. Choice Home Warranty

Choice Home Warranty is the only provider in this review that offers both system and appliance coverage in both of its policy options. This ensures that homeowners get comprehensive coverage no matter which plan they choose.

Choice Home Warranty has two plans:

  • Basic Plan ($36.17 per month): The Basic Plan includes coverage for 14 home components. 
  • Total Plan ($43.85 per month): The Total Plan includes coverage for every system and appliance in the Basic Plan plus four additional items.

You’ll also pay an $85 service fee each time you use your coverage from Choice Home Warranty.

Claim your free quote from Choice Home Warranty by completing this online form or calling 929-400-6164.

3. America’s First Choice Home Club

Unlike other home warranty companies that assign a technician to you when you need a repair, America’s First Choice (AFC) Home Club allows customers to choose their own service contractor. This gives you peace of mind that a high-quality professional is working on your home.

AFC Home Club offers four policy options:

  • System Plan ($43.18 per month): The System Plan covers six major home systems.
  • Silver Plan ($43.18 per month): The Silver Plan covers nine home appliances.
  • Gold Plan ($52.27 per month): The Gold Plan covers everything in the System and Silver Plans.
  • Platinum Plan ($59.09 per month): The Platinum Plan covers everything included in the Gold Plan plus a few extra components.

AFC allows you to choose a $75, $100, or $125 service fee when you sign up for your plan. Keep in mind that selecting a higher fee will lower what you pay each month.

Claim your free quote from AFC Home Club by completing this online form or calling 877-755-1115.

4. Liberty Home Guard

Though Liberty Home Guard has only been in business for three years, the company is already a trusted name. That’s because past customers have left positive reviews on the company’s Better Business Bureau profile and given it an average rating over 4.5 stars out of 5.

Liberty Home Guard offers three policies in New Jersey:

  • Appliance Guard ($40 per month): The Appliance Guard plan covers nine of your home’s appliances.
  • System Guard ($50 per month): The System Guard plan covers six of your home’s major systems.
  • Total Home Guard ($60 per month): The Total Home Guard plan includes every coverage in both the Appliance Guard and System Guard plans.

You’ll also pay a $60 service fee each time you use your coverage.

Claim your free quote from Liberty Home Guard by completing this online form or calling 866-451-2281.

5. Select Home Warranty

Select Home Warranty is our value pick for homeowners on a budget. You can get comprehensive system and appliance coverage for less than $40 a month along with a service fee that’s on the lower end of the industry standard.

Select Home Warranty offers the following plan options:

  • Bronze Care ($35.83 per month): The Bronze Care plan includes coverage for eight home appliances.
  • Gold Care ($35.83 per month): The Gold Care plan includes coverage for six home systems.
  • Platinum Care ($37.50 per month): The Platinum Care plan offers coverage for all items in the Bronze Care and Gold Care packages plus a few more.

You’ll also pay a $75 service fee.

Claim your free quote from Select Home Warranty by completing this online form or calling 888-370-3953.

New Jersey home warranty buying guide

The seemingly endless list of policy options may make it difficult to make a decision. Keep reading to learn about some factors that will help narrow down your choices.

  • Customer testimonials: Customer reviews can give you a more intimate look into how a provider treats its policyholders. Consult websites like Trustpilot or the Better Business Bureau to find out if a company is as good as it claims to be.
  • Home inspection: Some home warranty companies require that you get a home inspection when purchasing a policy. This isn’t necessarily a drawback—getting a home inspection gives your home warranty provider an idea of the current state of your systems and appliances. However, it can also limit your coverage, as many home warranty companies won’t protect any pre-existing conditions they find. 
  • Urban vs. rural coverage: If you live in a more rural part of New Jersey, you might have well or septic systems instead of plumbing systems. If that’s the case, look for a company that offers coverage for these systems as an optional add-on.

Our conclusion

We reviewed a wide range of factors when choosing our favorite home warranty providers in New Jersey and feel confident that every homeowner will be able to find a policy that suits them. However, remember that pricing and coverage can vary depending on the specific property, so get personalized quotes from each company to see what a plan would look like for you.

Frequently asked questions about New Jersey home warranties

What is the New Home Warranty and Builders’ Registration Act?

The New Home Warranty and Builders’ Registration Act is a law that was enacted in New Jersey in 1977 that requires building professionals to meet certain quality standards when building new homes. To ensure that home buyers are getting a high-quality home, builders are required to include a 10-year warranty with a purchase of a new home.

Can I learn about terms and conditions before I sign onto a plan?

Yes. Most home warranty companies, especially the national ones in this review, have sample contracts on their websites so that you can see what is and isn’t covered before signing up for a policy.

Who can buy a home warranty?

Real estate professionals, home sellers, home buyers, or veteran homeowners can purchase a home warranty. Agents and sellers often include a home warranty in a home sale as an incentive to pick their home over another one. However, if your new home doesn’t come with a warranty or you’ve been a homeowner for years, you can always purchase a home warranty yourself.

See the best home warranty companies in your state

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