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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 the best home warranty companies in Pennsylvania to help you find the perfect warranty for stress-free comfort and cost protection.
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:
Pros & Cons
Pros
Cons
Plans, Cost & Coverage
Elite Home Warranty provides three service plans: Elite Appliances, Elite Systems, and the comprehensive Elite Complete Plan. Similar to many other providers, it offers three tiers of coverage. The Elite Appliances plan includes coverage for eight home appliances, while the Elite Systems plan safeguards six 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
Elite Systems
Elite Complete
Why We Picked It?
Elite Home Warranty stands out as a viable option for homeowners seeking reliable coverage. Its high coverage limits justify the price, particularly when compared to other providers with significantly lower limits for major items.
However, it’s important to note that Elite has restricted policy management through their websites. While this may be a drawback for some, the extensive coverage and competitive pricing make them a compelling choice for those prioritizing comprehensive protection.
Pros & Cons
Pros
Cons
Plans, Cost & Coverage
First American Home Warranty offers flexible coverage options to match your needs and budget. They offer two plans- the Starter Plan (which covers essential appliances) and the Premium Plan (which safeguards 15+ items). With FAHW, you can customize your coverage and find the perfect fit for your home.
|
Starter Plan |
Essential Plan |
Premium Plan |
Service Call of $75 |
$60 |
$70 |
$85 |
Service Call of $100 |
$50 |
$60 |
$75 |
Service Call of $125 |
$45 |
$55 |
$70 |
Starter Plan:
Essential Plan:
Premium Plan:
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.
Monthly Cost
$44 - $47
Service Fee
$60 - $75
Response Time
12 - 48 hours
Pros & Cons
Pros
Cons
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:
Gold Care:
Platinum Care:
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.
Monthly Cost
$46 - $55
Service Fee
$75 - $125
Response Time
Up to 48 hours
Pros & Cons
Pros
Cons
Plans, Cost & Coverage
Plans |
Total Plan |
Basic Plan |
Monthly |
$55.90 |
$47.82 |
Yearly |
$640.17 |
$543.17 |
Total Plan
Basic Plan
Why We Picked It?
Choice Home Warranty’s approach of offering two service plans at a single service fee level of $100 simplifies the decision-making process for homeowners. Furthermore, Choice Home Warranty stands out for its professional plans tailored for home sellers and buyers, aiming to enhance a house’s selling value.
Pros & Cons
Pros
Cons
Plans, Cost & Coverage
ServicePlus Home Warranty offers two options for homeowners: the Gold and Platinum plans. The Gold Plan covers essential home systems and appliances, catering to those seeking comprehensive protection at reasonable prices.
Plans |
Platinum Plan |
Gold Plan |
Monthly |
$43.71 |
$37.46 |
Yearly |
$429.50 |
$349.50 |
Gold Plan
Platinum Plan
Why We Picked It?
ServicePlus Home Warranty stood out to us for its commitment to providing homeowners with a wide range of coverage options, allowing them to tailor their policies to suit their specific needs. The combination of affordability and comprehensive coverage makes it an option among the home warranty companies in Pennsylvania.
Home warranty plans can offer several benefits to Pennsylvanians, including:
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:
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:
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:
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.
A.
A home warranty in Pennsylvania typically covers the repair or replacement of 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.
A.
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.
A.
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. Always refer to your specific contract for precise instructions tailored to your provider’s policies.
A.
Actually, 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 choose to buy a warranty at any time, regardless of whether they’ve had a recent home inspection.