5 Best Home Warranty Companies in New Jersey (2024)

• Provider Review: Liberty Home Guard review
• Provider Sample Contract: Liberty Home Guard sample contract
• State Availability: 50
• Monthly Cost: $47–$59

Liberty Home Guard (LHG) maintains the highest BBB scores and customer reviews of our reviewed companies. Customers can choose from three plans with nearly 40 add-ons, allowing customers to customize their coverage.

Liberty Home Guard scored 4.5 out of 5 stars in our review, thanks to its excellent customer review scores and A rating* on BBB. Our team contacted LHG representatives on several occasions and had positive experiences. We reached a representative in under one minute and received thorough answers to our questions. 

LHG offers 38 add-on options, making it the best warranty company for homeowners with more diverse coverage needs. The company offers several options for indoor and outdoor items, including pest control, standalone freezers, plumbing fixtures, and carpet cleaning.

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. The company’s service fees vary from $65–$125. When speaking to a representative, we learned the fees change based on your add-ons, location, and coverage plan. LHG has a $2,000 coverage cap on most covered items. Electrical and plumbing systems are the exception, with a $500 cap for each system. LHG includes a 60-day workmanship guarantee, double the 30-day industry standard for coverage. 

You can choose from monthly and annual premium rates for your coverage. Expect to pay between $499 and $599 annually for LHG plans. However, we learned that LHG doesn’t offer additional discounts or bonus coverage for an annual plan. These perks are fairly common with other home warranty companies. 

Here’s a breakdown of LHG’s monthly plans and add-on coverage:

• Appliance Guard: This plan offers appliance-only coverage for major appliances, including dishwashers, clothes washers, and refrigerators.
• Systems Guard: Your plan includes coverage for built-in systems, such as heating, ductwork, and electrical. 
• Total Home Guard: The highest plan includes covered items and systems from the Appliance Guard and Systems Guard plans.
• Optional add-ons: LHG offers 38 add-on coverage options, such as pest control, lawn sprinkler systems, floor cleaning, and generators.

Here is a table comparing Liberty Home Guard’s plans and pricing:

Liberty Home Guard offers quotes over the phone and through its online tool. The LHG tool requires basic and home-specific information for its quote process. You must first enter your name, phone number, and email. Next, you’ll provide your home address, home type, and whether your home is smaller or larger than 5,000 square feet. Finally, you receive a personalized quote with the option to switch between monthly and annual premiums. 

LHG will assign a service contractor from its in-network options to complete any repair work. However, if there are no local options for servicing, you can select your own contractor instead. 

Our team analyzed reviews from LHG homeowners. We learned they appreciated its helpful customer support team and prompt resolution of issues. We also tested the live chat features and were pleased with the responsiveness and ease of use.

• Provider Review: American Home Shield Review
• Provider Sample Contract: American Home Shield sample contract directory
• State Availability: 48 (excluding Alaska and Hawaii)
• Monthly Cost: $69–$129

American Home Shield (AHS) offers the most comprehensive home system and appliance coverage. The company also covers unique issues, including rust or sediment corrosion, offering better protection for older homes.

We scored American Home Shield 4.4 out of 5 stars and chose the company as our top pick. Homeowners can choose from three comprehensive coverage plans and two service call fees, allowing for better plan customization. AHS also includes excellent system coverage on all plan levels, including protection for HVAC systems. 

AHS makes a great choice for homeowners with older appliances and systems with preexisting conditions. You also receive protection for improper maintenance and physical damage, including rust and corrosion. These protections aren’t typically part of a home warranty plan.

American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver is its system-only plan and includes a $5,000 coverage cap per home system. With the ShieldGold plan, you add coverage for appliances with a $2,000 coverage limit. ShieldPlatinum is the highest option and has the same coverage as ShieldGold but with a $4,000 coverage cap. This plan also includes roof-leak coverage, an HVAC tune-up, air filter discounts, and up to $1,000 in code upgrades. 

AHS provides quotes over the phone or through its online tool. When we pulled a sample quote, we received three plan options with service fees of $100 or $125. When we chose the lower service fee, our monthly premium increased. Picking a higher fee decreased our monthly costs. Each plan included a 30-day workmanship guarantee. 

AHS does not offer annual premiums with its plans. Other providers offer monthly and annual options and typically include additional discounts and free months of service with the annual option. 

Here’s an overview of American Home Shield’s plans:

• ShieldSilver: Its lowest plan includes home-system-only heating, cooling, and electrical coverage.
• ShieldGold: The next tier covers major systems and appliances, including water heaters and plumbing lines. 
• ShieldPlatinum: This plan includes the ShieldGold coverage plus additional perks, including up to $1,500 for roof-leak repairs.
• Optional add-ons: Add-on options include electronics, guest units, pools/spas, septic pumps, and well pumps.

Here is a table comparing American Home Shield’s plans and pricing:

We found American Home Shield’s online quote tool simple to use. You’ll need your home address, ZIP code, and email address to get a personalized quote. Homeowners can choose plan and service fee options to find the best fit. The site instantly updates with your adjusted premium costs. 

AHS uses its own network of contractors for service requests. A team member has an AHS plan and tested the claim process firsthand to resolve a leaking bathroom pipe. The AHS representative found a local plumber within the hour and scheduled an appointment for the next day. Our team member’s pipe was fixed, and he only paid the service call fee. 

We read dozens of Better Business Bureau (BBB) customer reviews to gauge brand reputation and service. Overall, customers were pleased with American Home Shield and appreciated their prompt claims process. However, the company has mixed reviews for its customer support team. Some homeowners mentioned claim reimbursements that were lower than expected.

• Provider Review: Elite Home Warranty Review
• Provider Sample Contract: Elite Home Warranty Sample Contract Directory
• State Availability: 47 states (excluding California, Texas, or Wisconsin)
• Monthly Cost: $44–$58

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.

We rated Elite Home Warranty 4.6 out of 5 stars in our review standards. We awarded high scores for its coverage and add-on variety. We deducted points for only offering one service call fee and limited online options. Here’s how Elite rated in key categories:

• Coverage (4.6 out of 5): Elite scored high for its three customizable coverage plans and extensive add-on catalog. 
• Value (4.25 out of 5): We deducted points because the company only offers one service call fee and charges a higher fee for high-end appliances.  
• Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on the Better Business Bureau (BBB) and other third-party sites. 
• Availability and service (4.5 out of 5): Elite lost points for its limited online services. Unlike other providers, it doesn’t offer an online quote tool.

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

• Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
• Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
• Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

More details on Elite’s plans and pricing can be found in the table below:

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

• Annual maintenance
• Drainage, sewer, and water service lines
• Pool and spa equipment
• Geothermal heating and cooling systems
• Guest house
• Septic system

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

• He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
• He received a next-day appointment for his repair. 
• The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
• After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
• The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.

• Provider Review: Select Home Warranty review
• Provider Sample Contract: Select Home Warranty sample contract
• State Availability: 47 (excluding Nevada, Wisconsin, and Washington)
• Monthly Cost: $44–$48

Select Home Warranty offers some of the most affordable coverage plans on our list. The company provides appliance-only, system-only, and combined coverage plans, plus service call fees as low as $80. 

Select Home Warranty received a 4.3 out of 5 in our review. The company offers low-cost plans starting under $50 per month. In addition, Select includes roof-leak repair coverage with each plan, which typically requires an additional fee with other companies. 

Homeowners looking for basic home protections should consider Select Home Warranty. We should note that Select offers lower coverage caps than other competitors. Although the lower premiums make it a more affordable choice, its lower coverage caps could impact your claims process. We’d recommend choosing Select if lower costs and baseline coverage options are your primary concerns.

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Our team conducted secret shopping to learn more about the company’s plans. We learned that Select provides its lowest service fee exclusively through an over-the-phone deal. We also learned that homeowners receive up to $3,000 for HVAC systems but only a $500 coverage cap for other covered systems. All plans include a 30-day workmanship guarantee. 

You can choose from annual or monthly premium options. Expect to pay between $479 and $524 annually. Our sample annual quote included up to $150 off premium costs and two additional months of coverage for 14 months total. 

Here’s an overview of Select Home Warranty’s plans:

• Bronze Care ($44.42 per month): Its appliance-only plan includes major appliances, such as dishwashers, garbage disposals, and clothes washers and dryers.
• Gold Care ($44.42 per month): The system-only plan includes major home systems, such as heating, plumbing, electrical systems, and air conditioning.
• Platinum Care ($47.75 per month): The highest plan combines the Bronze and Gold Care coverage, plus additional items, such as garage door openers and luxury appliance coverage.
• Optional add-ons: Add-ons include central vacuums, lawn sprinkler systems, pools, septic systems, stand-alone freezers, sump pumps, and well pumps.

Here is a table comparing Select Home Warranty’s plans and pricing:

Our team pulled quotes for Select Home Warranty via phone and using the online tool. With the tool, you must enter your ZIP code and then provide your name, phone number, and email before receiving the personalized quote. We did not need to enter a home address. Our team also learned that Select prefers solving customer issues and processing claims over the phone. 

Select will choose a service technician for your repairs in most cases. If the company cannot find someone in your area, you can select your own contractor. Select must approve your technician before having them complete the repairs. 

Based on customer reviews, we learned that homeowners appreciated the low-cost options but had issues reaching the customer service department.

• Provider Review: AFC Home Warranty review
• Provider sample contract: AFC Home Warranty sample contract directory
• State Availability: 49 (excluding Hawaii)
• Monthly Cost: $35–$59

America’s First Choice Home Warranty (AFC Home Warranty) offers the best customization options, including four plans and add-on coverage. The company offers flexible service call fees and additional discounts for annual premiums. 

AFC Home Warranty received a 4.6 out of 5 in our review standards. The company’s plan variety and service fee options make it ideal for homeowners looking for personalized warranty options. AFC Home Warranty includes additional membership benefits, such as free credit monitoring and identity fraud protection. 

The company also stands out for its workmanship guarantee. Many companies offer the industry standard of 30 days, with a few exceptions providing 60-day coverage. AFC Home Warranty includes an unlimited workmanship guarantee that protects your system for as long as you keep the plan.

AFC Home Warranty includes four plan options: Platinum Plan, Gold Plan, Silver Plan, and Systems Plan. You can choose from a $75, $100, or $125 service call fee. Choosing a higher fee results in a lower premium. 

While getting a sample quote, we learned that HVAC systems have an unlimited coverage gap. The only exception was thermostats, which received a $80 limit. Appliances receive up to $3,000 per item but could receive a lower cap due to age. We discovered that AFC Home Warranty pays the depreciated value of an item older than five years old. All replacements and repairs include a workmanship guarantee with unlimited coverage. 

You may choose between an annual or monthly plan premium. Expect to pay between $347 and $629 annually for AFC Home Warranty plans. The company does offer added savings for choosing an annual option. Selecting a one-year plan includes a $100 discount, while a three-year commitment includes a $250 discount. 

Here are details for each plan offered by AFC Home Warranty:

• Silver Plan: The first coverage tier protects appliances only and includes refrigerators, clothes washers, and dryers.
• Systems Plan: The next plan focuses on home systems only, including air conditioning, heating, and plumbing.
• Gold Plan: You receive coverage for appliances and systems, such as ductwork, oven, range, and garage door opener.
• Platinum Plan: The highest tier includes coverage under the Gold Plan and includes protection for your built-in microwave and ice maker.
• Optional add-ons: Add-ons include central vacuum, double oven, electronic coverage, hot water dispenser,  pool, roof-leak repair, septic system, spa, stand-alone freezer, and sump pump.

Here is a table comparing AFC Home Warranty’s plans and pricing:

Homeowners can receive AFC Home Warranty quotes through a representative or online. When we tested the online tool, we found it simple to use but ran into issues trying to compare plans. Unlike other companies that offer all plan details on one page, AFC requires you to select a plan first, then takes you to a separate page with details. You must switch back and forth between two screens for comparison shopping. These extra steps make the quote process less efficient than other providers. 

You can choose your own contractor for service calls, a rare option with home warranty companies. Although this is a welcomed feature, the company offers mixed coverage limits for home systems, lowering its plans’ overall value compared to other companies. 

Based on our online review analysis, we learned that AFC Home Warranty received mixed reviews from homeowners. Customers appreciate the prompt claims process but were disappointed with the depreciation value policy included with the plans.