Home Warranty

7 best home warranty companies in Union, New Jersey

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Union. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Home warranties offer a financial buffer to repair or replace appliances that suddenly fail. For a monthly fee, these policies insure items like refrigerators and AC units when they stop working with regular wear and tear.

Many key home systems break down before hitting the 10 to 15-year mark. HVAC systems typically last just seven to 25 years. The normal lifespan for water heaters is only six to 12 years, and most major appliances today fail after 20 years, say the experts at the International Association of Certified Home Inspectors.

If your Union house contains any aging furnaces, dishwashers or other appliances, you'll likely face a surprise breakdown. These top home warranty providers offer robust coverage at reasonable prices.

Union's frequent rainfall can strain your home's roof and HVAC systems. We advise getting a home warranty to limit the cost of a sudden home heating breakdown or roof leak. The companies below provide solid major system and appliance coverage and added perks.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Union

Here's our list of the best home warranty companies in Union:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee if your covered item can’t be fixed or replaced.

What we like

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

What we don't like

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

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

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

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

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

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American is known for its comprehensive appliance coverage caps. With an Essential or Premium plan that has the First American Advantage upgrade, you could also get coverage for miscellaneous components, including appliance knobs and dials.

What we like

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

What we don't like

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

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch Home Services provides coverage perks other companies don’t, such as a homeowners insurance deductible reimbursement. Like most home warranty companies, Cinch offers flexible service fees that raise or lower your plan premium.

What we like

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

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

What we like

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

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Union

The average cost of a home warranty in Union is in line with the national average, ranging from $40.91 to $77.05 per month. If you prefer to pay an annual premium, expect to pay between $563.62 and $927.43 per year. To calculate national averages, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties protect various home appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll summarize what's generally covered in a home warranty and what isn't.

What are the typical items covered under a home warranty?

Built-in microwaves
Clothes dryers
Dishwashers
Washing machines
Refrigerators
Cooktops

Major appliances make up the first group of items that a home warranty provides coverage for. This includes the following items: The second coverage category is major systems, which typically include the following:

Water heater
Plumbing
HVAC
Central vacuum
Electrical

What items are typically not covered under a home warranty?

Like other service contracts, home warranties won't cover certain appliances or components. These are called exclusions. A common exclusion is breakdowns caused by damage outside normal wear and tear. For example, home warranties will probably not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is part of routine maintenance.

Hazardous waste
Preexisting conditions
Improper system or appliance installation
Acts of nature
Cosmetic damage
Rust or corrosion damage

Questions to ask home warranty providers in Union

Ask each home warranty provider these questions before you purchase a plan.

What items are covered by my policy?

Before asking a home warranty company for a quote, write down the specific systems and appliances that you need covered. Then, confirm the company has plans meeting your needs. Some providers separate appliance and system coverage into different plans. Most home warranty companies also sell optional add-ons for things like septic tank pumping and additional refrigeration. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

A typical home warranty plan is effective for one year from the coverage effective date, which is 30 days after the initial sign-up date. The 30-day waiting period is designed as a way to deter customers from filing claims for preexisting conditions. A home warranty may last longer than 12 months if you purchase a multiyear plan.

What contractors do you work with?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If your area has no in-network contractors nearby, the warranty company may let you choose your own. You can verify a contractor's license by searching the New Jersey Division of Consumer Affairs database.

How does your claims approval process work?

Each company's claims process will differ from the others. If a covered issue strikes, you could file a claim online or over the phone. Most companies try to address claims within one to two days, though there might be processing delays if you filed outside normal working hours. If the home warranty company initially approves your claim, they'll match you with a service contractor from their network. The contractor will arrange a meeting with you to examine the appliance firsthand. Once they get final approval from the warranty company, they'll do the repair work and handle billing on your behalf.

Can I transfer my policy to the next owner of my home?

If you need to move, most home warranty contracts contain a clause allowing you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, though others will charge a transfer fee. Some home warranty companies also provide special coverage plans that are easily transferred to prospective buyers. Home sellers acquire these home warranty plans to increase their home's appeal.

Home warranty contract fine print

To finalize your research, we recommend reading the home warranty provider’s fine print and sample contract prior to purchasing a plan. Knowing the company’s terms and conditions can help you determine whether it’s the right one for your needs. It'll also help you stand up for your rights if you need to file a claim. Below are several terms you should look for while reviewing the contract:

Exclusions: Pay special attention to the exclusions a warranty company lists in its fine print. For example, most home warranty sample contracts specify component exclusions for every item covered.
Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company will not charge additional service call fees for a repair if an in-network technician has recently tried to fix the item. The industry standard is 30 days, but some companies offer longer workmanship guarantees.
Service call fee: Just like copays at the doctor or pharmacy, you'll have to pay a service call fee each time you file a home warranty claim. Most companies charge from $75 to $125 per claim.
Cancellation: You'll typically find the warranty company's cancellation policy within their fine print. Depending on the company, if you cancel within the first 30 days of enrollment, you might receive a full refund of the entire premium.
Coverage limit: Each home warranty has a coverage limit that establishes how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.

Facts about Union

Average High in July

83°F

Union

83°F

National Average

Average Low in January

24°F

Union

17°F

National Average

Average Daily Sunlight

63%

Union

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Union, New Jersey

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