Updated on
January 5, 2023
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Best Home Warranty Companies In Pennsylvania 2022
Pennsylvania’s frigid climate can put a strain on home systems and appliances. To keep systems in working condition, you should invest in a home warranty. We have listed the best home warranty companies in Pennsylvania offering extensive coverage in the state.
Disclaimer: We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.
Repairs or replacement cost of major appliances is usually high in Pennsylvania. Find out how much it may cost to maintain some of the prominent appliances and systems in your state in the following section.
Repair And Replacement Cost Of Various Appliances In Pennsylvania
As the cost of repair and replacement in Pennsylvania is on the higher side, a home warranty plan could come to your rescue. It covers all the major repairs and replacement arising out of wear and tear for a small monthly premium.
$200 Off + 2 Months Free Coverage
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$200 Off + Upto 3 Months Free
Limited time offer, grab now! |
$150 off + Free roof coverage + 2 months free
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Top Home Warranty Companies in Pennsylvania
Here’s a list of the best-rated home warranty companies in Pennsylvania for homeowners.
- Choice Home Warranty : Best For Comprehensive Coverage
- American Home Shield (AHS) : Best For Claims Settlement
- Select Home Warranty : Best for affordable premium
- Liberty Home Guard : Best For Response Time
- First American Home Warranty : Best For Transparency
- Cinch Home Services : Best For Customer Satisfaction
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Premium (Monthly)
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Coverage Limit
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Workmanship Guarantee
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Covers Pre-Existing Conditions
An existing malfunction in any system or appliance before the coverage begins on a home warranty plan refers to a pre-existing condition. A unknown pre-existing condition is one that cannot be detected during the routine maintenance/inspection or is unknown to the homeowner. To know more, you can refer to our detailed article on does home warranty cover pre-existing conditions. |
USPs
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$46-$55 | Upto $3K/item | 60-day | No | No Extra Fees For Coverage Of Up To 5000 Sq. Ft. Homes | |
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VIEW MORE | $39-$60 | $6K-Unlimited | 30-day | Yes (Unknown) | HVAC Tune-Ups |
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$60-$65 | $3k/Item | 90-day | No | Free Roof Leak Coverage | |
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$35-$50 | $2k/Item | 60-day | Yes (Unknown) | 43 Add-Ons | |
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$30-$44 | $2,500 | 30-day | No | Unlimited Service Calls Over The Year | |
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$27-$51 | $2k/Item | 180-day | Yes (Unknown) | $25 Credit Towards A/C Filters |
Best Home Warranty Companies In Pennsylvania: Reviewed
Read more about the plans, pricing, and more of the top home warranty companies in Pennsylvania.
Choice Home Warranty
Best For Comprehensive Coverage
3.5 / 5
Free coverage for a month + roof coverage
Choice Home Warranty comes in popular choice if you are looking for an extensive appliance or system coverage at a cost-effective price. The home warranty company has been in the business since 2008 and extends the best services to its customers.
Pros
- Offers plans at an affordable premium
- Base plan includes home appliances and systems
Cons
- No freedom to choose your technician
Plans and Coverage
Choice Home Warranty provides two home warranty plans to its customers: The Basic Plan and The Total Plan. The Basic Plan includes items such as a heating system or dishwasher. The Total Plan offers comprehensive coverage as it covers all items featured in the Basic Plan and includes air-conditioning systems, refrigerators, clothes washers, and clothes dryers.
Cost
The Basic Plan costs around $46 monthly, and the Total Plan costs around $54 monthly. The deductibles of the home warranty can range from $75-$150.
$50
| $46.83 | $46.83 | Basic Plan |
|---|---|---|
| $54.75 | $54.75 | Total Plan |
Exclusions and Coverage Limit
As per the Choice’s sample contract, there is a $3000 limit for diagnosis, repair, or replacement of included items.
Apart from these limitations, here are the other exclusions:
- The home warranty won’t include damages because of unforeseen circumstances, neglect, or lack of maintenance, etc.
- Items with pre-existing conditions are also not covered under this plan.
American Home Shield (AHS)
Best For Claims Settlement
Offering exhaustive plans to all its customers, American Home Shield has made its place on this list. It is the among the best home warranty companies in Pennsylvania because of its customizable plans, unlimited systems coverage, and more. In addition, they also covers items with pre-existing conditions, making it a desirable choice.
Pros
- Covers improper installations, repairs or modifications
- Covers breakdowns caused by lack of maintenance
Cons
- Only 30 days workmanship guarantee
Plans and Coverage
American Home Shield provides three plans to the homeowners: ShieldSilver, ShieldGold, and ShieldPlatinum. The first two plans include systems and appliances such as garage door opener, hot/cold water dispenser, and dishwasher. The ShieldPremium, on the other hand, is a more comprehensive plan which includes everything from the other plans, along with some additional items.
Cost
American Home Shield prices can be somewhere between $19 to $70 per month with three deductible options: $75, $100, $125. You could pay a lower premium if you choose the higher deductible option.
$50
| $19.99 | $19.99 | ShieldSilver |
|---|---|---|
| $39.99 | $39.99 | ShieldGold |
| $69.99 | $69.99 | ShieldPlatinum |
Exclusions and Coverage Limit
The company’s plan (according to its contract) excludes the following things:
- Routine maintenance, flues, venting, exhaust lines;
- Chimneys, cosmetic damage, home management systems, fire sprinkler systems, radon monitoring systems;
- Mold, bio-organic growth, rot, fungus, and pest damage.
AHS has coverage limitations on the liability of replacing or repairing a covered item. It has unlimited coverage for systems and up to $6k per appliance.
Select Home Warranty
Best for affordable premium
4 / 5
$150 off + two months of free coverage + free roof coverage
With over a decade of experience, Select Home Warranty has been among the popular home warranty companies in the state. It provides 3 plans to the homeowners, a 90-day repair guarantee, free roof coverage, and two months of free service with the annual plan.
Pros
- Offers limited roof leak repair with every plan
- Offers cashback on multi-year plans
Cons
- Low coverage limits
Plans and Coverage
Select Home Warranty provides three different plans- Bronze Care, Gold Care, and Platinum Care along with additional options.
Cost
Select has different pricing for each of its plans. The Bronze Care and Gold Care plans are offered at $45 monthly, while the Platinum Care plan is priced at $50 per month. According to the state, the deductible can range from $60-$100.
$50
| $45.67 | $45.67 | Bronze Care |
|---|---|---|
| $45.67 | $45.67 | Gold Care |
| $50.25 | $50.25 | Platinum Care |
Exclusions and Coverage Limit
The Select Home Warranty claims to offer an aggregate limit of $2k per system or appliance in their plan. Here are some of the things that are not covered under the company’s plans:
- Failures because of abuse, rust, corrosion, improper installation,
- Known or unknown pre-existing conditions,
- All components or parts of any covered item, such as freon, crushed ductwork, lights, solar heating systems, etc.,
- Items that require repair or replacement as a result of Acts of Nature, and
- Damages because of water, fire, and mold spores.
Liberty Home Guard
Best For Response Time
4.5 / 5
$200 off + two bonus months + free roof leak protection
Liberty Home Guard comes under the list of the top home warranty companies in Pennsylvania. It offers coverage for different home products and pest control as an additional option. The company claims to provide its services to customers at as low as $1 per day.
Pros
- Has a live chat option
- Provides pest control as an add-on coverage
Cons
- Does not offer services in Washington and Wisconsin
Plans and Coverage
Liberty Home Guard provides 3 plans to the homeowners: Systems Guard, Appliance Guard, and Total Home Guard. The Total Home Guard is the most comprehensive and covers systems and appliances.
Cost
Liberty Home Guard’s plans can range from $60 to $69 per month, and costs can be higher if there’s any additional item. You will have to pay a service fee of $90 every time the technician comes.
$50
| $59.99 | $59.99 | Systems Guard |
|---|---|---|
| $59.99 | $59.99 | Appliance Guard |
| $69.99 | $69.99 | Total Guard |
Exclusions and Coverage Limit
The company’s plan (according to its contract) excludes the following things:
- Known and unknown pre-existing conditions;
- Electronic, computerized, or internet-based parts, vents, exhaust lines, and chimneys;
- Cosmetic defects, glass parts and components, any costs associated with refrigerant;
- Construction and carpentry costs, accidents, fire, floods, water damage, electrical failure, and Acts Of God.
They also have annual coverage limitations restricted to $2,000 per item during the contact period.
First American Home Warranty
Best For Transparency
3 / 5
First Class Upgrade option + $25 Amazon gift card
First American Home Warranty has been in the market since 1984. The company offers an extensive coverage limit and affordable plans compared to other competitors.
Pros
- Unlimited service calls all over the year
- Building and improper installation repairs are covered
Cons
- Air conditioning offered only as an add-on coverage
Plans & Coverage
First American Home Warranty provides two different plans along with additional options. The plans offered by the company are- Basic Plan and Premier Plan. While the Basic Plan includes only home appliances, the Premier Plan is more comprehensive and includes both major home appliances and systems.
Cost
First American Home Warranty price can vary from one state to another. But, the Basic Plan’s base price is $33 per month, while the Premium plan starts at $45 per month. Additionally, there’s a deductible charge of $85 for every visit.
$50
| $33 | $33 | Basic Plan |
|---|---|---|
| $45 | $45 | Premier Plan |
Exclusions and Coverage Limit
Here are some of the things that are not covered under the company’s plans:
- No pre-existing conditions;
- Accessories, shelves, knobs, hinges, digital meters, transmitters;
- Space heaters, vents, fuel storage tanks;
- Doorbells and lock assemblies.
The First American Home Warranty offers an aggregate limit of $3500 per system and $1500 per appliance in their plan.
Cinch Home Services
Best For Customer Satisfaction
3 / 5
Two bonus months or $50 Off depending on the coverage
Cinch Home Services has served over 1 million customers over the last four decades in 48 states. The company offers separate plans for systems and appliances along with a plan with a combination of both. Also, you are offered a 180-day workmanship guarantee and even a free water sensor to detect leaks.
Pros
- 180-day workmanship guarantee
- Provides a free water sensor for leak detection
Cons
- Doesn’t extend its services in Alaska and Hawaii
Plans and Coverage
The three plans offered by Cinch Home Services include Appliances Plan, Built-in Systems Plan, and Complete Home Plan. As the name suggests, Appliances Plan includes all the major appliances in your home, and Built-in Systems Plan includes all the major systems. The Complete Home Plan includes components from both plans.
Cost
The plans start from $27 to $39 per month. The service fees can be $75, $100, and $150, depending on the chosen plan.
$50
| $27.99 | $27.99 | Appliances Plan |
|---|---|---|
| $32.99 | $32.99 | Systems Plan |
| $39.99 | $39.99 | Complete Plan |
Exclusions and Coverage Limit
The Cinch Home Service has the following exclusions:
- Flues, chimney, venting, and exhaust lines, abuse, misuse, and neglect;
- Damage because of pet, pest, fire, flood, earthquake, acts of God, lightning strikes, power failure, or surge;
- Remediation due to mold, mildew, fungus, bacteria, virus, wet & dry rot, and conditions because of water pressure.
The coverage limit of Cinch Home Services for both appliances and systems is up to $2k/item.
Annual Cost Of Home Maintenance In Top Pennsylvania Cities
Find out about the annual cost of home maintenance in Top Pennsylvania cities by going through the table below:
Homeowners have to pay different expenses which can include property taxes and insurance, and even maintenance. As per a recent study, more than 40% of Americans don’t take home maintenance seriously and pay a hefty amount for repairs.
Additionally, if you live in Pennsylvania, you will know that home maintenance is essential as other things. Here, we will discuss the importance of taking home warranty in the major cities of Pennsylvania:
Allentown, Pennsylvania
Allentown is one of the most expensive cities in Pennsylvania, with its housing expenses being 14% higher than the national average. The city’s high cost of living has an adverse impact on the repairs and maintenance costs. Additionally, the city’s frigid winters push many appliances and systems towards over-usage, resulting in frequent wear and tear issues.
Philadelphia, Pennsylvania
Extreme weather in Philadelphia can put a strain on major appliances and systems. Winters can be harsh on the plumbing fixtures, and summers can be humid.
A home warranty will help you face up to the climatic challenges of the city. You can cover all major HVAC items and plumbing fixtures under one plan. Home warranties also tend to be cheaper when compared to the cost of maintenance in an expensive city like Philadelphia.
Pittsburgh, Pennsylvania
Temperatures in Pittsburgh vary throughout the year. That means you must constantly use an air conditioner or heating system, among other systems and appliances. In the event of a breakdown, the cost of repairs is high in Pittsburgh as The city has seen a high jump in maintenance charges.
A home warranty plan will help you maintain your financial health and assist you in finding a quick resolution for your damaged systems and appliances.
Bethlehem, Pennsylvania
Bethlehem experiences hot, dry summers and wet, frigid winters. The temperatures in the city can go below 25°F during winters, which may pose a challenge to many household systems and appliances.
Choosing a home warranty will go a long way for homeowners in Bethlehem. You will stay safe from unwanted expenses and safeguard your appliances from extreme weather conditions.
Why Purchase A Home Warranty In Pennsylvania
If you are a homeowner, it is expected that you have faced major issues with your home systems and appliances. These problems can cost you thousands of dollars as the repair/replacement charges get high. Hence, having a home warranty will save you from such expenses and offer peace of mind.
Some of the reasons that make home warranty a worthwhile experience include:
- Temperatures in Pennsylvania can get low and even become freezing in January and February. Sudden breakdowns in your heating systems can cause a hassle for family members. In this case, home warranty plan coverage will help to get timely repairs or even replacements (if needed).
- The state also experiences more snow as compared to other states. Prolonged exposure to snow can create problems in the roof and cause them to leak, which requires maintenance.
- Major appliance replacement can get expensive. However, out-of-pocket expenses can be avoided if the home warranty plan covers the item.
Common Home Repair Problems Faced By Pennsylvanian Homeowners
Read the most common home repair problems faced by Pennsylvanian homeowners:
Roofing Issues
Pennsylvania foresees a lot of snow compared to other states. But, most homeowners are not aware that it can further lead to roof damage and leaks. Most home warranty companies offer coverage for roof leakage, making it worthwhile for Pennsylvanian homeowners
Issues With The HVAC
Pennsylvanians’ over-reliance on HVAC due to extreme climatic conditions result in a regular breakdown. Most households complain about a mishap occurring during the peak winter months due to over-usage.
Plumbing Issues
Many homeowners in Pennsylvania have reportedly faced various issues related to plumbing. Issues such as clogged or slow drains, leaky faucets, low water pressure and water heater problems are among the issues that have troubled many Pennsylvanian homeowners.
Best Home Warranty Companies In Pennsylvania: Comparison
Have a look at the comparison between the home warranty companies offering their services to homeowners here:
Company Name | Premium (Monthly) | BBB Rating | Response Time | Deductible | |
| Choice Home Warranty | $46-$55 | B | Up to 48 hours | $60-$85 | |
| American Home Shield (AHS) | $39-$60 | B+ | Up to 48 hours | $75-$125 | |
| Select Home Warranty | $60-$65 | B+ | 12 - 48 hours | $60-$100 | |
| Liberty Home Guard | $35-$50 | A+ | Up to 48 hours | $90 | |
| First American Home Warranty | $30-$44 | B+ | Up to 48 hours | $85 | |
| Cinch Home Services | $27-$51 | B+ | Same day | $100-$150 |
Bottom Line
Home warranties are a worthwhile investment for homeowners to cut their home maintenance costs. However, always thoroughly review the companies' contracts and invest in a company that best suits your needs.
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Frequently Asked Questions (FAQ’s)
Does The First American Home Warranty Cover Plumbing?
Yes, The First American Home Warranty covers plumbing systems and water stoppage issues.
How Much Do Home Warranty Plans Cost?
The price of a home warranty usually varies depending on the home warranty company and your state. In Pennsylvania, home warranty plans can start at $19 for a simple plan and go up to $70 for a comprehensive plan.
Also, you will have to pay a service call fee that varies from company to company. The cost can range from $65 to $125.
Do Home Warranties Cover Existing Problems?
Some home warranty companies such as American Home Shield, Liberty Home Guard, and Cinch Home Services cover existing problems. However, we recommend you go through the company’s brochure before proceeding with the buying process.
Does The Home Warranty Cover Older Appliances?
Some home warranty companies cover older appliances, including American Home Shield, Liberty Home Guard, and Cinch Home Services.
What Is Excluded From My Home Warranty Coverage?
Typically, home warranties don’t cover damages from pests, improper installation, neglect, misuse, scratches, cosmetic defects, and more. But, it is still recommended that you go through the company’s brochure for pertinent details.
Against What Issues Do Home Warranty Plans Offer Protection?
A home warranty policy keeps home appliances, and systems covered against any breakdowns because of normal wear and tear.