Best Home Warranty Companies In pennsylvania 2024

From the crisp winters of the Poconos to the hot, humid summers of Philadelphia, Pennsylvania’s weather keeps your home’s comfort on its toes. Unexpected breakdowns can disrupt your peace of mind and budget. This guide explores Pennsylvania’s best home warranty companies to help you find the perfect warranty for stress-free comfort and cost protection.

Our Picks: 5 Best Home Warranty Companies For pennsylvania Residents

Navigating the Pennsylvania home warranty market can be tricky. To help you make an informed decision, we've compared the coverage, plans, and customer service of the top 5 home warranty companies in Pennsylvania:

Highly Rated By Customers

4.9 |

Excellent

$150 Off + 1 Month Free. 30 Day Free Trial!

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

(888) 580-5416

Pros & Cons

Pros

Provides a 30-day free trial
Has a wide list of 27 add-on options
Provides a 90-day workmanship guarantee

Cons

The website lacks proper pricing details

Plans, Cost & Coverage

Elite Home Warranty provides three service plans: Elite Appliances, Elite Systems, and the comprehensive Elite Complete Plan. Like many other providers, it offers three tiers of coverage. The Elite Appliances plan covers eight home appliances, while the Elite Systems plan safeguards seven home systems. The Elite Complete plan encompasses all items covered in both previous plans.

Plans	Elite Appliances	Elite Systems	Elite Complete
Service Call $70	$43.99	$48.99	$58.99

Elite Appliances

Protects your essential kitchen & laundry workhorses (fridge, dishwasher, etc.)
Budget-friendly option for worry-free appliance repairs
Ideal for homeowners seeking extensive appliance coverage

Elite Systems

Safeguards your home’s core functionality (plumbing, heating, electrical)
Starting at $48.99 per month, it offers coverage for seven home systems
Ideal for individuals looking for dedicated coverage specifically for home systems

Elite Complete

Comprehensive plan provides coverage for both home systems and appliances
Ideal for individuals seeking thorough coverage of home systems and appliances within a budget of under $60 per month

Why We Picked It?

Elite Home Warranty is a standout choice for homeowners searching for dependable coverage. With impressive coverage limits of $7000 for appliances and $8000 for systems, it offers great value, especially compared to providers offering much lower limits for major items.

Best For Comprehensive Plans

4.1 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Offers plans at an affordable premium
24/7 customer service
Initiates quick service requests

Cons

Low aggregate limit for the contract

Plans, Cost & Coverage

Plans	Basic Plan	Total Plan
Monthly	$47.82	$55.90
Yearly	$543.17	$640.17

Basic Plan

Covers 14 essential home systems and appliances, including heating, electrical, plumbing, and kitchen appliances
Offers cost-effective protection for everyday household necessities

Total Plan

Protects 18 crucial appliances and systems (fridge, dishwasher, plumbing, heating, etc.)
Perfect for homeowners looking to get comprehensive coverage
Offers fixed monthly and annual payments for worry-free budgeting

Why We Picked It?

With more than 14 years of industry experience and handling over 6 million service requests, Choice has established reliability and expertise. Serving nearly 2 million homes, they recognize the significance of prompt and efficient service.

With rates starting at $47, their plans provide affordability while maintaining comprehensive coverage. Moreover, their straightforward policy contracts are a standout feature that distinguishes Choice Home Warranty.

Best For Added Plumbing Coverage

2.8 |

Good

Monthly Cost

$47 - $87

Service Fee

$75, $100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Generous coverage caps
Offers Plumbing Plus and various such upgrades
Home Inspections are not mandatory

Cons

Limited service provider choices

Plans, Cost & Coverage

First American Home Warranty provides flexible coverage options tailored to your requirements and budget. Three plans are available—the Starter Plan, Essential Plan, and Premium Plan—and pricing ranges from $45 to $85 per month, depending on your selected deductible of $75, $100, or $125.

	Starter Plan	Essential Plan	Premium Plan
Service Call of $125	$45	$55	$70
Service Call of $100	$50	$60	$75
Service Call of $75	$60	$70	$85

Starter Plan

Covers eight essential appliances & systems: fridge, dishwasher, electrical system, and more
Budget-friendly option for basic coverage needs
Perfect for new homeowners or those with newer appliances

Essential Plan

Includes everything in the Starter Plan, plus five major systems & appliances
Protects air conditioners, washers, dryers, and more
Ideal for homeowners seeking comprehensive coverage for all major appliances and systems

Premium Plan

Covers everything from Starter and Essential plans
Covers extras like garbage disposal, garage door system, luxury appliances, and more
Ultimate protection for your entire home

Why We Picked It?

Homeowners concerned about potential problems in older homes or those seeking coverage at an affordable price should consider plans from First American Home Warranty (FAHW).

These plans go beyond covering wear and tear, offering protection against issues arising from improper installation or maintenance—a common concern in older properties. With various coverage options, FAHW can help you find the perfect fit for your needs and budget.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Free Roof-leak coverage
Generous HVAC coverage
Annual discounts

Cons

Comparatively lower coverage caps for appliances

Plans, Cost & Coverage

Select Home Warranty provides three basic options: Bronze Care, Gold Care, and Platinum Care. One notable aspect is that all plans include limited coverage for roof leaks, up to $400. The annual cost for these plans ranges from $479 to $524, with a service fee of $60 to $75 per claim.

Plans	Bronze Care	Gold Care	Platinum Care
Monthly	$44.42	$44.42	$47.75
Yearly	$479.99	$479.99	524.99

Bronze Care:

Budget-friendly coverage for essential appliances (fridge, dishwasher, etc.)
Perfect for new homeowners or those with newer appliances
Keeps your wallet happy during unexpected repairs

Gold Care:

Protects your home’s core systems (plumbing, heating, electrical)
Peace of mind knowing major breakdowns are covered
Avoids costly repairs that can strain your budget

Platinum Care:

The ultimate shield for your entire home
Combines appliance and system coverage for maximum security
Ideal for comprehensive protection and worry-free living

Why We Picked It?

Select Home Warranty stands out for its unique feature of including roof-leak protection with all its plan options. This additional coverage provides peace of mind for homeowners concerned about potential damages.

While the base plans offer straightforward coverage for home systems and appliances at a competitive price, it’s essential to note that the coverage caps are lower compared to other providers in this industry.

Best For Add-ons

4.7 |

Excellent

$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Offers live chat option for homeowners
Offers 30 add-on options
Provides a 60-day workmanship guarantee

Cons

Does not cover known or unknown pre-existing conditions

Plans, Cost & Coverage

Liberty Home Guard offers three home warranty plans: Appliance Guard, Systems Guard, and Total Home Guard. The plans begin at $49.99. Each plan offers coverage with a maximum limit of $2,000 for all included items. Below is a comprehensive breakdown of the pricing by LHG.

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99/Month	$54.99/Month	$59.99/Month
Annual Plan	$499.99/Annum	$549.99/Annum	$599.99/Annum

Appliances Guard

Comprehensive coverage for nine major household appliances
Plan components include refrigerators, ovens, washers, and more
Affordable pricing with flexible payment options

Systems Guard

Coverage for six essential home systems
Include coverage for HVAC, electrical, plumbing, and more
Competitive pricing tailored to fit your budget

Total Home Guard

All-encompassing coverage for both appliances and systems
Comprehensive protection for your entire home
Value-packed pricing offering savings on combined coverage

Why We Picked It?

With plans like Appliance Guard, Systems Guard, and Total Home Guard, Liberty Home Guard offers peace of mind knowing that major household appliances and critical systems like HVAC, electrical, and plumbing are safeguarded against unexpected breakdowns.

Additionally, Liberty Home Guard provides affordable pricing with flexible payment options, ensuring that homeowners in Pennsylvania can find a plan that fits their budget while receiving top-notch protection for their valuable assets.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Are Home Warranty Plans Beneficial For Pennsylvania Homeowners?

Home warranty plans can offer several benefits to Pennsylvanians, including:

Pennsylvania's harsh winters stress heating systems, roofs, and plumbing. Frozen pipes and roof leaks are common problems. Home warranties help manage these unexpected repair costs.
Both frigid winters and hot summers can strain HVAC systems. Warranties covering these crucial systems provide peace of mind and financial protection during peak usage times.
Major appliances like refrigerators, dishwashers, and washing machines are susceptible to breakdowns, and replacements can be expensive.
Some warranties offer optional add-on coverage for specific concerns, like sewer line protection, which can be particularly troublesome in older Pennsylvania homes.
A home warranty can be a selling point in Pennsylvania's competitive market. It offers potential buyers peace of mind and reduces the risk of unexpected repair costs during sales.
Pennsylvania homeowners can budget effectively with predictable monthly premiums instead of facing potentially large, unforeseen repair bills.
Many Pennsylvania homes are older and have aging appliances and systems.

How Much Does A Pennsylvania Home Warranty Cost?

Here's a breakdown of the average costs In Pennsylvania:

Average Annual Cost

$756 - $800

Average Monthly Cost

$63 - $75

Average Service Fee (Deductible)

$75 - $125

The average cost of a home warranty in the state varies depending on:

Winter's Bite On Heating Systems: Brutal winters in Pennsylvania strain heating systems. Warranties with strong coverage for heating repairs, especially during peak winter months, tend to cost more compared to plans in milder climates.
Age of Keystone Homes: The state boasts many old homes with potentially aging plumbing and electrical systems. Warranties covering these older systems often come at a premium compared to plans designed for newer homes.
Urban vs. Rural Divide: Service call fees can vary depending on your location. In rural areas with limited technicians, potentially higher fees are expected compared to urban areas with a larger pool of service providers, which can impact the overall warranty cost.
Demand for AC Coverage: Heat waves can strain AC units, while summers are generally mild. Warranties offering coverage for air conditioning repairs, especially during peak summer months, may cost slightly more than plans without this feature.
Basement Blues: Many Pennsylvania homes have basements prone to plumbing issues. Warranties with comprehensive coverage for plumbing repairs, including potential basement-related concerns, may cost more than plans with limited plumbing coverage.
Pool Coverage Considerations: In-ground pools are a popular feature in some parts of Pennsylvania. If you have a pool, be prepared for potentially higher costs if you choose a warranty that offers coverage for pool pumps or other pool-related components.

Home Warranty Coverage In Pennsylvania

While specific details can vary depending on the company and plan you choose, here’s a breakdown of what a typical home warranty in Pennsylvania covers and what it typically doesn’t cover:

Common Inclusions

Appliances This often includes major appliances like refrigerators, dishwashers, ovens/ranges, garbage disposals, washing machines, dryers, and sometimes microwaves (depending on the plan).
Systems Coverage typically extends to essential systems like heating systems (furnaces, boilers), central air conditioning (AC) units, plumbing systems (including fixtures), electrical systems (excluding pre-existing wiring issues), and water heaters.

Pennsylvania-Specific Considerations

Focus on HVAC Prioritizing HVAC system coverage is crucial due to Pennsylvania’s harsh winters and hot summers. Ensure your chosen plan covers repairs or replacements for heating and air conditioning units.
Optional Add-ons Some companies offer optional coverage for specific concerns common in Pennsylvania homes, like sewer line protection, which can be particularly beneficial, especially for older homes.

Common Exclusions:

Pre-Existing Conditions Any issues with appliances or systems before the warranty starts are not covered.
Cosmetic Damage The warranty typically doesn’t cover damage that doesn’t affect the appliance or system’s functionality.
Damage Caused By Neglect, Misuse, Or Improper Maintenance The homeowner is responsible for properly maintaining their appliances and systems.
Specific Components Some warranties might exclude specific components within covered systems, like ductwork in an HVAC system.

Here Are Some Additional Points To Consider

Compare Coverage Limits Ensure the limits are sufficient to cover the potential cost of repairs for your specific appliances and systems, considering factors like the age and value of your home.
Understand Renewal Options And Costs Be aware of the renewal process and potential cost increases when your initial plan term ends.
Consider Company Reputation And Customer Reviews Research the company’s reputation online and read customer reviews to understand their service quality and claim resolution process.

Who regulates Home Warranty Companies In Pennsylvania?

Unlike some states, Pennsylvania does not have a dedicated regulatory body overseeing home warranty companies. However, there are still ways to ensure you're choosing a reputable company and plan:

National Home Service Contract Association (NHSCA) While not a regulatory body, the NHSCA is a non-profit organization that promotes ethical practices within the home warranty industry. Companies registered with the NHSCA adhere to a code of conduct and might offer easier complaint resolution processes compared to unregistered companies.
Pennsylvania Insurance Department (PID) PID offers consumer resources on its website, including information about filing complaints against insurance companies and understanding different types of insurance products.

Final Word

With various options available, choosing the best home warranty in Pennsylvania requires careful consideration. By understanding your unique needs, comparing coverage details, and exploring company reputations, you can confidently select a plan that offers peace of mind and financial protection against unexpected repair costs.

Remember, the "best" company ultimately depends on your circumstances. Don't hesitate to seek professional advice if needed, and remember, a home warranty is just one piece of your overall homeownership strategy.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

What Does A Home Warranty Cover In Pennsylvania?

A home warranty in Pennsylvania typically covers repairing or replacing major home systems like HVAC, plumbing, electrical, and essential appliances. Coverage specifics can vary between plans and providers, so reviewing the terms is important to understand the items covered and any limitations.

What Are The Most Commonly Reported Home Repairs In Pennsylvania?

In Pennsylvania, particularly in cities like Pittsburgh or Philadelphia, common home appliance repairs may include issues with HVAC systems due to the cold winters. Other appliances such as refrigerator/freezer malfunctions, dishwasher problems, and occasional repairs for stoves or ovens are also occasionally claimed for repairs.

How To File A Claim With Home Warranty Companies In Pennsylvania?

To file a claim with a home warranty company in Pennsylvania, promptly contact the provider and furnish details about the issue and your contract number. Adhere to the company’s designated claim process, whether online, over the phone, or through their app.

Upon approval, the company will arrange for a service technician, often requiring a service fee payment. Keep meticulous records of all communications and service appointments for reference. Refer to your specific contract for precise instructions tailored to your provider’s policies.

Is Home Inspection Mandatory Before Buying A Home Warranty In Pennsylvania?

A home inspection is generally optional before buying a home warranty in Pennsylvania. While a home inspection is recommended to uncover any existing problems, it is not a prerequisite for purchasing a home warranty. Homeowners can buy a warranty anytime, regardless of whether they’ve had a recent home inspection.