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Best Home Warranty Companies In pennsylvania 2025

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:

OUR #1 PICK
1

Elite Home Warranty

  • Excellent coverage for older homes with aging systems.
  • High annual payout caps for multiple repairs.
  • Transparent claims process with responsive customer support.
$150 Off + 1 Month Free. 30 Day Free Trial!
4.9
Excellent
fourhalf_star
Call Now
MOST POPULAR
2

Choice Home Warranty

  • Strong protection for older homes and systems.
  • Affordable monthly premiums with clear pricing.
  • High customer satisfaction for claims resolution.
1st month free + Free roof coverage
4.1
Excellent
fourhalf_star
BBB ACCREDITED
3

America’s First Choice

  • Comprehensive coverage for older homes with aging systems.
  • Affordable service fees with customizable plan options.
  • Provides high annual payout caps for multiple claims.
20% Off All Plans + Free Roof Leak Coverage
4.3
Excellent
fourhalf_star
BEST RATED BY U.S. NEWS
4

ARW Home – American Residential Warranty

  • Affordable plans with flexible pricing options.
  • Wide variety of add-on coverages for customized protection.
  • Excellent customer support and transparent terms.
2 Months FREE* on All Plans
4.3
Excellent
fourhalf_star
5

Regency Total Home Warranty

  • Covers essential home systems and appliances for peace of mind.
  • Available in all 50 states for consistent service.
  • Round-the-clock assistance for claims and repairs.
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
4.1
Excellent
fourhalf_star

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.

Frequently Asked Questions (FAQs)

What Does A Home Warranty Cover In Pennsylvania?+

What Are The Most Commonly Reported Home Repairs In Pennsylvania?+

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

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

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