Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Parsippany-Troy Hills can be exciting for many, but it also comes with its fair share of challenges. Home repairs can be an unexpected financial burden for many homeowners. A home warranty in Parsippany-Troy Hills can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market is saturated with many providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Parsippany-Troy Hills.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Parsippany-Troy Hills residents. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the home warranty for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Parsippany-Troy Hills area.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard Review.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Parsippany-Troy Hills residents. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Parsippany-Troy Hills area.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Parsippany-Troy Hills residents. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Parsippany-Troy Hills area.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our Select Home Warranty Review.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Parsippany-Troy Hills residents. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Parsippany-Troy Hills area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
ShieldSilver
ShieldGold
ShieldPlatinum
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Parsippany-Troy Hills residents. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the home warranty for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Parsippany-Troy Hills area.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our Cinch Home Services Review.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Parsippany-Troy Hills residents. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the home warranty for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Parsippany-Troy Hills area.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our The Home Service Club Review.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,892 |
| Heating | $4,594 |
| Electrical | $689 |
| Toilets | $574 |
| Washer/Dryer | $919 |
| Plumbing | $689 |
| Oven | $1,838 |
| Fridge | $689 |
A home warranty is a protection plan that assists Parsippany-Troy Hills homeowners in lowering the costs of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is especially helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and modern appliances may not need a home warranty.
Home warranties cover many household systems and appliances. Covered appliances normally include refrigerators, dishwashers, dryers, washers, garbage disposals, microwaves, and others. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranty companies also provide add-on coverage for central vacuums, roof leaks, locksmiths, and septic systems. Parsippany-Troy Hills homeowners should know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by the policy.
There are multiple home warranty terms to understand before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans include protection for heating, AC, electrical, plumbing, and appliances. More extensive plans may also include extra things such as roof leaks, spas, well pumps, and pools. Look for a provider that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per service call made. These per-claim charges can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty provider's rating gives insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Reach out to potential companies to ask how many repair specialists they have in Parsippany-Troy Hills and get an idea of how quickly your repairs could be handled in an emergency. Larger networks increase the chance of getting qualified contractors to quickly service your home.
Certain home warranty companies provide perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses provide extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Parsippany-Troy Hills’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, preventing you from spending unexpected money out of pocket.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of having to vet technicians yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Another added benefit of having home warranty coverage is that it can increase your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
One disadvantage of getting a home warranty is that there are often exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it’s important to read through the contracts you’re considering carefully to understand what is included and what isn’t.
Another consideration is that home warranties usually only cover malfunctions due to normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty in Parsippany-Troy Hills can cost anywhere from $30 to $60 a month. Higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in a situation such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or oven, unless the damage is due to a natural disaster, which isn't that common in Parsippany-Troy Hills.
Homebuyers, homeowners, home sellers, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Parsippany-Troy Hills, where the median home value is $771,272, having the seller pay for the home warranty can be a good asset for your new home.
