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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 the best home warranty companies in Pennsylvania 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:

Best For Separate Coverage Options
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

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

  • Reviews of delays or difficulties in claims approval

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

  • Protects your essential kitchen & laundry workhorses (fridge, dishwasher, etc.)
  • Budget-friendly option for worry-free appliance repairs
  • Ideal for new homeowners or those with newer appliances

Elite Systems

  • Safeguards your home’s core functionality (plumbing, heating, electrical)
  • Peace of mind knowing major systems are covered
  • Perfect for preventing costly repairs down the line

Elite Complete

  • The ultimate protection for your entire home
  • Combines appliance & system coverage for maximum security
  • Ideal for comprehensive peace of mind and avoiding unexpected repair bills

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.

2.8 | twohalf_star Good

Monthly Cost

$47 - $87

Service Fee

$75, $100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Generous coverage caps
  • Flexible Simple service fee model
  • Home Inspections are not mandatory

Cons

  • Limited service provider choices

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:

  • Covers essential appliances: fridge, stove, dishwasher, garbage disposal
  • 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 major systems
  • Protects plumbing, heating, and electrical systems
  • Considerable for peace of mind on core home functions

Premium Plan:

  • Most comprehensive coverage
  • All features of Starter & Essential Plans
  • Covers extras like a pool pump, well pump, and second refrigerator
  • 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 | threehalf_star 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

  • 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 Comprehensive Plans
3.7 | threehalf_star Excellent
1st 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
  • Even the base plan includes home appliances and systems
  • Initiates quick service requests

Cons

  • No choice of technician

Plans, Cost & Coverage

Plans

Total Plan

Basic Plan 

Monthly

$55.90

$47.82

Yearly

$640.17

$543.17

Total Plan

  • Protects various appliances and systems (fridge, dishwasher, plumbing, heating, etc.)
  • Avoids costly repairs for major breakdowns
  • Offers fixed monthly and annual payments for worry-free budgeting

Basic Plan

  • Comprises of Essential Appliance Coverage: Safeguards key appliances in your kitchen and laundry (fridge, dishwasher, etc.)
  • Protects your wallet from unexpected appliance repairs
  • The Basic Plan is perfect for new homeowners or those with newer appliances, offering essential coverage

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.

Best For Customer Services
3.3 | threehalf_star Good
$200 Off + 2 Months Free*

Monthly Cost

$43 - $79

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

  • Provides discounts on annual plans
  • Offers a service guarantee of 90 days
  • Extensive network of prescreened technicians

Cons

  • Offers only combo plans

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

  • Protects core systems that keep your home functioning smoothly
  •  Provides valuable protection for your home’s essential components at an affordable monthly cost
  • Offers peace of mind with access to responsive customer service representatives any day, any time

Platinum Plan

  • Expands on the Gold Plan to include additional appliances like a washer, dryer, and built-in microwave
  • Covers everything from the Gold Plan and additionally covers systems like central vacuum or security system
  •  Raises the maximum payout per covered item for repairs or replacements compared to the Gold 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.

Is 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, impacting 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?

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.

 

What Are The Most Commonly Reported Home Repairs In Pennsylvania?

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.

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

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.

 

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

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.

 

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