3 Best Home Warranty Companies in New Jersey (2022)

Beautiful luxury kitchen with white cabinets and marble countertops. A dark grey island with black stools. Stainless steel appliances.
For the best home warranty in New Jersey, check out our list of the three best providers in the Garden State to protect your budget from home repairs. | Photo Credit: Adobe Stock

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

No matter how well you maintain your home’s appliances, they’ll eventually break down due to simple wear and tear damage, which is excluded by homeowners’ insurance or manufacturers’ warranties. Fortunately, a home warranty covers repairs and replacements of appliances and systems in your home that wear out in the course of normal use. 

If you have an older home or are going through a real estate transaction in particular, a home warranty can provide a tremendous amount of peace of mind and budget protection.

If you’re looking for a home warranty in New Jersey, we’re here to recommend the top three providers in the state. The best home warranty for you is the one that covers the appliances and systems you’re worried about at a price that fits your budget. We’ll break each company down by the plans and extras it offers to help you find the one that fits your needs.

In this article:


Best Overall: American Home Shield

Quick Take

With more than half a century in business, American Home Shield is one of the best-established names in the home warranty industry. The company still maintains an edge over the competition by offering coverage for conditions and types of damage that most other providers don’t. In addition to wear and tear damage, American Home Shield plans cover breakdowns resulting from improper modification, insufficient maintenance and known or unknown pre-existing conditions.

Pros and Cons

Has been in business since 1971

Covers rust, sediment and corrosion

Covers duplicates of the same item

Has relatively expensive premium prices

Features fewer add-on coverage options than competitors

Plans and Coverage

Most home warranty companies offer two to four plans to their customers, and American Home Shield offers three plans. ShieldSilver is the least expensive plan and covers 14 important home systems. ShieldGold covers all these systems and adds coverage for nine vital home appliances, including washers, dryers and refrigerators. 

Finally, ShieldPlatinum covers all of the above and adds roof leak repairs, a free HVAC tune-up and coverage for code violations and permits.

American Home Shield also allows you to purchase add-on coverage for pools/spas, well pumps, septic pumps and guest units of up to 750 sq. ft. You can add these options to any of the three plans for between $5 and $24 a month to create your own customized coverage plan.

CoverageShieldSilverShieldGoldShieldPlatinum
Roof-leak repairs  
Air conditioner
Heating unit
Ductwork
Built-in exhaust, vent and attic fans
Main breaker and fuse panel box
Doorbells and chimes
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub motor and components
Water heater
Refrigerator 
Range/cooktop 
Oven 
Dishwasher 
Built-in microwave oven 
Garbage disposal 
Instant hot/cold water dispenser 
Clothes washer 
Clothes dryer 

Cost

Every home warranty comes with a premium cost that you’ll pay every month or year for the length of the contract, as well as a service call fee or deductible that you’ll pay for every service visit. American Home Shield allows you to customize these prices in relation to each other. You can choose a lower service fee in exchange for a higher deductible and vice versa. Here are the premiums you’ll pay with a $75, $100 or $125 service call fee.

Plan$75 Service Fee$100 Service Fee$125 Service Fee
ShieldSilver$79.99$69.99$64.99
ShieldGold$89.99$79.99$74.99
ShieldPlatinum$109.99$99.99$94.99

Get a Free Quote

To find out how much an American Home Shield plan will cost you, call 844-529-9298 or fill out this quick online form.


Most Customizable Plan Options: America’s First Choice Home Club

Quick Take

With four total plans plus 11 add-on options, America’s First Choice (AFC) Home Club offers supremely customizable home warranty coverage. You’ll have no trouble creating a plan that covers exactly what you need without paying for pricey extras you don’t need. Like American Home Shield, AFC Home Club allows you to choose your deductible based on how often you anticipate needing to use your home warranty.

Pros and Cons

Guarantees repairs for life of your home warranty contract

Lets you choose your own contractor (with prior approval)

Features free security perks like identity protection

Only covers microwaves and plumbing stoppages in its premium plan 

Has a $75 cancellation fee

Plans and Coverage

AFC Home Club offers one plan that covers only home systems like air conditioning, heating and plumbing. The Silver Plan, covers only home appliances including dishwashers, ovens and refrigerators. The Gold Plan covers both, plus ductwork. The Platinum Plan adds coverage for ice makers, microwaves, faucets and plumbing stoppages.

With any plan, AFC Home Club also offers extra coverage for tankless water heaters, in-ground pools, stand-alone freezers, double ovens, central vacuums, ice makers, hot water dispensers, septic systems and well pumps. You can also add built-in microwave coverage to the Systems, Silver or Gold Plans.

CoverageSystems PlanSilver PlanGold PlanPlatinum Plan
Air conditioning 
Heating 
Water heater 
Electrical system 
Plumbing system 
Ductwork  
Clothes washer 
Clothes dryer 
Kitchen refrigerator 
Oven 
Range 
Dishwasher 
Garbage disposal 
Garage door opener 
Plumbing stoppages   
Built-in microwave   
Ice maker   
Faucets   

Cost

As mentioned, AFC Home Club lets you choose between a service call fee of $75, $100 or $125. If you don’t anticipate needing to call technicians very often during the length of your contract, you might consider choosing a higher service fee with a lower premium cost.

PlanMonthly CostAnnual Cost
Systems Plan$47.92$525
Silver Plan$41.67$450
Gold Plan$54.17$600
Platinum Plan$58.33$650

Get a Free Quote

Enter your contact information in this easy form or call 877-755-1115 to get a free quote from AFC Home Club.


Best for Value Shoppers: Select Home Warranty

Quick Take

Finally, Select Home Warranty offers the lowest premium prices of any provider on our list. You may not receive coverage limits that are as generous as with other companies’ plans, but Select Home Warranty will provide you with all the basic coverage you need to protect your budget from costly repairs and replacements. If you pay annually, you’ll even receive two extra months of coverage for free.

Pros and Cons

Offers limited roof leak repairs in all of its plans

Guarantees repairs for 90 days

Presents a wide range of add-on coverages

Features lower coverage caps than competitors

Has a slightly higher-than-average service fee

Plans and Coverage

With plans for appliances (Bronze Care), systems (Gold Care) and both (Platinum Care), Select Home Warranty lets you choose the amount of coverage you need. The Platinum Care plan also adds coverage for garage door openers, ceiling fans and plumbing stoppages.

Select Home Warranty is the only company on our list to offer add-on coverage for lawn sprinkler systems. You can also opt for coverage for central vacuums, pools, septic systems, spas, stand-alone freezers, sump pumps and well pumps.

CoverageBronze CareGold CarePlatinum Care
Limited roof leak
Air conditioning 
Ductwork 
Electrical system 
Heating system 
Plumbing system 
Water heater 
Cooktop 
Dishwasher 
Garbage disposal 
Built-in microwave 
Refrigerator  
Stove/oven 
Clothes washer 
Clothes dryer 
Garage door openers  
Plumbing stoppages  
Ceiling fans  

Cost

Select Home Warranty’s service call fee with all plans is the standard $75. Contracts paid monthly come with 12 months of coverage, and contracts paid yearly are good for 14 months.

PlanMonthly CostAnnual Cost
Bronze Care Plan$44.42$479.99
Gold Care Plan$44.42$479.99
Platinum Care Plan$49.83$549.99

Get a Free Quote

For a free quote from Select Home Warranty, fill out this simple online form or call 888-370-3956.


Our Verdict

Overall, we find that American Home Shield offers the most comprehensive coverage to homeowners in New Jersey. This long-standing industry leader offers fewer exclusions and more years of experience in the industry than any other. However, this provider’s plans are more expensive than others. If American Home Shield doesn’t fit your budget, the other companies on our list also provide excellent coverage.

Since all of the providers listed above offer free quotes, it’s a good idea to get specific information for your home before making your choice. Simply enter your contact information on the respective contact forms for an instant, free price quote. Of course, budget shouldn’t be your only consideration–make sure that the plan you’re looking at covers what you need it to cover..


Frequently Asked Questions About New Jersey Home Warranties

How much does a home warranty cost in New Jersey?

New Jersey has a relatively high cost of living in general, so home warranties are a little more expensive than average, costing about $40-$80 a month. That typically works out to between $480 and $960 a year. Service call fees typically fall between $75 and $125.

How does a home warranty work?

If you have a home warranty and a covered item breaks down due to wear and tear, you simply call your home warranty provider or file a claim online. Within a day or two, a company representative will put you in contact with a home services contractor who can visit your home to diagnose the problem. If it falls under your warranty terms, the contractor will repair the item. If repairs aren’t possible, you may be eligible for a replacement, though cash may be offered in lieu of the actual appliance.

Do home buyers look for houses with home warranties?

According to a study by American Home Shield, a home warranty can actually increase the resale value of a home by nearly 1%. That may not sound like much, but a year’s worth of home warranty coverage in New Jersey costs between $480 and $960. For comparison, according to Zillow, the average home in New Jersey sells for $421,124. 1% of that amount is more than $4,000, which is aa substantial return on investment.

Do home warranties offer roof coverage?

While some home warranties offer coverage for roof leaks over the inhabited part of a home, few, if any, cover substantial repairs or replacements of a roof. Since roof replacement costs typically range between $7,000 and $24,000, it doesn’t make financial sense for home warranty companies to offer this type of coverage.

Home Warranty Rating Methodology

To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:

  • Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
  • Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
  • Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
  • State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
  • Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.

To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.

LEAVE A REPLY

Please enter your comment!
Please enter your name here