By Dan Simms
Updated Jan 10, 2023
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Homeowners in Pennsylvania can pick between the beautiful open plains and the bustling cities. Pennsylvania truly has something for everyone. Owning a home in Pennsylvania can be a great experience; however, homeownership comes with its fair share of responsibilities and problems. One of the ways to help you keep your home in good working condition at all times is to purchase a home warranty.
Home warranties can be helpful for all homeowners, but they’re particularly useful in Pennsylvania, where the climate can put a lot of strain on home systems and appliances. In this review, we consider warranties that cover things like heating systems, which get put under immense strain through PA’s frigid winters. We also take into consideration factors like the above-average snowfall, which can promote roof leaks. We rank our best warranty companies that cover local issues much higher in our ratings.
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House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty is the best comprehensive home warranty in Pennsylvania. The first thing you will notice about Choice is that it is an effortless company to work with. When you look at the home warranty contract, you will quickly find it straightforward to understand. As a Pennsylvania homeowner, you will know exactly what is covered in your home. Choice Home Warranty is a home warranty industry giant with 13 years of experience and a BBB rating of a B. The coverage offered by Choice is available across the entire country, with several thousand high-quality and trusted contractors ready to keep your home in excellent shape.
Choice Home Warranty offers two plans for Pennsylvania homeowners. The Basic Plan has minimal coverage, but it offers homeowners fair pricing and high coverage caps. The Total Plan at $53.33 a month tends to be the most popular plan choice for Pennsylvania homeowners. Coverage caps from Choice Home Warranty typically land around $3000 for most major systems and appliances. Choice Home Warranty has a fixed service call fee of $85.
Here’s a detailed look at Choice Home Warranty’s coverage:
Choice Home warranty offers a substantial range of add-on options. There are nine total add-ons:
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
For more information, read our Choice Home Warranty Review.
Select Home Warranty is the most cost-effective home warranty option for the Pennsylvania homeowner. If you know a home warranty is an intelligent choice but are having a hard time with the expenses involved, look at Select Home Warranty’s plans. With each Select Plan, you will have roof leak coverage. Select Home Warranty has been an option for Pennsylvania homeowners for almost ten years. One of the things that make Select Home Warranty stand out is that it is very strict about technician and contractor training and acceptance. You are guaranteed to have a true professional come to your home to repair your appliances and systems.
Select Home Warranty has three plan options for Pennsylvania homeowners. Select Home Warranty’s plans are known for their fair pricing and free roof leak coverage. The Platinum Care Plan offered at $57 per month is the comprehensive option with system and appliance coverage. However, the appliance-only policy and the systems-only policy are great options for those new to home warranties. Coverage caps from Select Home Warranty are typically around $500-$2000. Coverage caps being slightly lower is partly what makes this plan more affordable. The service fee helps you save money, considering that it is just $60.
Here’s a detailed look at Select Home Warranty’s coverage:
There are several optional coverages from Select Home Warranty. These will include:
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
For more information, read our Select Home Warranty Review.
American Home Shield is the most customizable home warranty company in Pennsylvania. With an American Home Shield plan, you can customize both your coverage and your pricing to get a plan that fits the needs of your Pennsylvania home. American Home Shield has been offering home warranties across the United States for more than 50 years. The company has created an extensive group of service professionals and technicians across the nation to service its customers. American Home Shield has premium plan choices that appeal to those with higher-end homes. The coverage limits are also much higher than other policy options on the market.
There are three home warranty plans from American Home Shield; ShieldSilver, ShieldGold, and ShieldPlatinum. If you are looking for premium coverage from a home warranty provider, American Home Shield is your company. The number of covered items, high coverage caps, and impressive history in the business make American Home Shield one of the most sought-after home warranties in Pennsylvania. With American Home Shield, you will benefit from $2500 or more coverage caps. Service fees from American Home Shield are customizable, ranging from $75 to $125.
Here’s a detailed look at American Home Shield’s coverage:
The add-on coverages offered by American Home Shield include:
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
For more information, read our American Home Shield Warranty Review.
The Home Service Club offers the quickest coverage for a Pennsylvania home warranty. With The Home Service Club, your coverage will start just ten days after you make your first payment on your home warranty plan. Most other companies on the market will make Pennsylvania homeowners wait at least 30 days for coverage to begin. The Home Service Club has more than 13 years in the industry and two comprehensive plan choices. In addition, customer service and support from HSC are both quick and thorough.
There are two home warranty plans from The Home Service Club, Standard Coverage and Comprehensive Coverage. The Comprehensive Coverage plan is one of the most extensive in the industry. This plan has 33 covered items, including both systems and appliances. Coverage caps from The Home Service Club will range from $500 to around $1500. The Home Service Club is similar to American Home Shield because it offers a customizable service fee. The service fee will range from $65 to $125. Our chart below features the pricing of a home warranty plan with a $95 service fee.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club offers 12 additional or add-on coverages as an addition to their home warranty plans. Some of the most popular add-ons are:
To get a free quote from The Home Service Club, fill out this online form.
For more information, read our Home Service Club Review.
Liberty Home Guard is the most trustworthy home warranty in Pennsylvania. Although Liberty Home Guard has only been on the market for two years, it is revolutionizing the customer service expectations of a home warranty company. When you read reviews and look at the A rating from the BBB, it is clear to see that Liberty Home Guard knows what it is doing. Gaining an A rating from the BBB in just three years certainly takes work, trustworthiness, and follow-up. You will find that the coverage options from Liberty Home Guard are pretty impressive and can offer peace of mind for a Pennsylvania homeowner.
The three plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The Total Home Guard plan is the most popular Liberty Home Guard plan for Pennsylvania homeowners because of its system and appliance coverage. Coverage caps from Liberty Home Guard will range in price, but most are around $1500. The service fee from Liberty Home Guard is not customizable and will be $75.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard plans have the best add-on coverage. There are more than 30 add-on coverages for homeowners in Pennsylvania. Some coverages include:
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Read our Liberty Home Guard review for more information.
A home warranty plan is typically priced between $45 and $65 a month. The average annual costs will be from $480 to $780 a year. When Pennsylvania homeowners choose a plan, they must consider the monthly pricing, service fees, and coverage caps. All home warranty providers have service fees that will range from $60 to $150, with an average of around $85. Coverage caps can be as low as $100 and as high as $6000. Most of the time, you will want coverage caps around $2000. The home warranty cost you secure at the beginning of the contract term will directly impact the overall value of having a home warranty.
|Home Over 5,000 sq ft||$1,294.73|
|Home Under 5,000 sq ft||$646.41|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost-Effective Plans||Best Customization Options||Fastest Service||Most Trustworthy|
|Average Cost||$50 per month||$60 per month||$45 per month||$56 per month||$70 per month|
|Annual Limit||$3,000||$2,000||$3,000 to unlimited||$350-$2,000||$2,000-$2,500|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||49 States||46 States||49 States||50 States||48 States|
|Online Chat / Mobile App||No||No||No||No||Online Chat|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
We hope you now feel you can choose the best home warranty for your Pennsylvania home. The five choices on our list are all from reputable companies that understand the home warranty industry inside and out. It makes sense to get a few quotes from these companies to ensure you get the right plan for your home. Choice Home Warranty still stands out as the best overall choice for a home warranty. Choice has fundamental plan options, fair fees, and excellent customer service to back it all up. Reach out to Choice today to get your personalized quote for your Pennsylvania home.
At this point, you have your Pennsylvania home warranties narrowed down to five excellent options. We need to take these options and find the best plan for your home. There are a few key things to look for when you compare policies. Those three things are plan choices, service speed, and customer reviews.
Some companies offer comprehensive plans; others separate the appliance and the systems. Make sure you take a walk around your Pennsylvania home and consider the systems and appliances you rely on. Choose a plan that has the best coverage for these areas.
Some home warranty plans will offer emergency service; others guarantee that they will be at your home within 48 hours. Try to manage plan costs with the speed of service you need.
Customers tend to review home warranty companies when they have issues with them. Keep in mind that you will be getting an overwhelming number of negative responses, but look at these to see if anything would keep you from investing in this policy.
In addition to the general things to consider mentioned above, you’ll want to think about the items and systems in your home that you want coverage for. Every home and homeowner’s needs are different, and there are some factors in Pennsylvania that make some coverages more appealing than others.
For example, most PA homeowners are well acquainted with the long, cold winters. Temperatures can remain well below 60 from October to May, with averages dipping below freezing in January and February. During these long, cold months, your heating system will be running constantly to keep your home safe and warm. As such, home warranties that cover heating systems and equipment will be more desirable in Pennsylvania, as the components are more likely to break down than they are in warmer states.
Pennsylvania also experiences more snow than many other states, averaging nearly 40 inches every year. Long exposure to snow and freezing temperatures can gradually cause roof leaks. As such, a home warranty that covers roof leaks is often best for Pennsylvanians.
A home warranty is a protection plan for your home systems and major home appliances. When Pennsylvania homeowners have a home warranty in place, it can protect their savings accounts and budgets from unexpected expenses. Typically, the coverage will take effect about 30 days after purchasing your home warranty plan. Many home warranty plans will not require a home inspection and will start the policy immediately after the waiting period.
Home warranties are often compared to homeowners insurance policies because they provide protection from expected issues in your home. A warranty typically covers appliances and home systems, including damages and breakdowns from old age and excessive use.
While comparing home warranties and home insurance is helpful in some regards, the two differ in many important ways.
Most notably, home warranties don’t require a catastrophe to kick in, while homeowners insurance policies do. Home warranties can cover normal appliance breakage, unexpected damage to plumbing and electrical systems, a heating system that fails, and much more.
Home warranties also differ from insurance policies in how they provide financial assistance. Most home insurance policies require that you pay a deductible, which is a pre-set out-of-pocket cost to you before insurance kicks in. Home warranties are quite the opposite in that they kick in immediately after a small service call fee. Home warranties then cover up to a certain limit, while home insurance policies have significantly higher limits or no limits for coverage.
Finally, homeowners insurance might cover total losses that include items in your home, but home warranties cover specific home systems and appliances. This is an important distinction when it comes to claims, and it means home warranty claims are typically made much more frequently.
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Once your home warranty is in place, you will file a claim each time an issue comes up. The claims process will either happen by calling in or using an online portal system to submit your request. At this point, you will be responsible for a service fee that will cover a repair technician coming out to your home to assess the issue. Once the problem is determined, there are typically no other out-of-pocket costs for Pennsylvania homeowners. Keep in mind that if a policy has low coverage caps, the out-of-pocket costs could be higher.
The process, simplified, is below:
A home warranty plan will cover wear and tear on home systems and appliances. Most home warranty plans divide their coverage into three key areas; systems, appliances, and optional or add-on coverage.
Appliances typically included in a home warranty plan include refrigerators, microwaves, dishwashers, dryers, ovens, stovetops, and more. System coverage from a home warranty plan can consist of heating, plumbing, plumbing stoppages, electrical, water heater, etc.
When investing in a home warranty plan, it is crucial to understand what exclusions home warranties have. Issues with intentional breakage, pre-existing conditions, and misuse of a system or appliance will not be covered. In addition, things like cosmetic issues or natural disaster damage are also not covered under the home warranty plan. When you get your service contract, there is a list of all parts and accessories included with each covered item.
Most homeowners in Pennsylvania are pleased with their home warranty coverage and experience, but there are some common complaints we see from homeowners in your area.
One of the most common complaints is that the coverage expected for heating system maintenance, repairs, or replacement is not received. Unfortunately, many home warranties don’t cover damage that could have been avoided with a reasonable amount of system maintenance. If you fail to maintain your system until it breaks down, you can expect not to get coverage for the repairs needed.
Another common complaint we see is that certain claims — like roof leaks and major appliance replacement — require an out-of-pocket cost well in excess of the service fee. It’s important to understand that home warranty companies have payout limits or coverage caps for individual systems and home appliances, per year. You should review your service contract carefully and check coverage caps before signing anything to avoid any unexpected charges.
It’s impossible to say if you, specifically, will save money with a home warranty. It’s more or less an insurance policy that is only worth it if something goes wrong. While you can’t guarantee that you’ll save money in the long run, most people do.
If you’ve been a homeowner for any substantial amount of time, chances are you’ve run into issues with your home systems or appliances. Those problems likely cost you hundreds or even thousands of dollars in some cases, and the charges are often unexpected. This can make budgeting and saving money a real challenge, and it’s exactly what makes home warranties so valuable.
The average service call fee for a home warranty is $85. When you compare that to average charges for common home repairs or replacements — like over $300 for a plumber, around $275 for an electrician, hundreds or thousands of dollars for fridge repair or replacement cost, and around $800 on average to repair a single roof leak — it becomes evident that home warranties are well worth the money.
For many homeowners, even the idea of having peace of mind that you’re protected from charges like this is enough to make a home warranty worth it.
A service fee is a price you pay for a repair when you have a home warranty policy in place. The service fee is typically between $60 and $125, and it is charged each time a system or appliance in your home goes down. Most companies offer protection against failed repairs that won’t have you paying another service fee for the same.
The top home warranty company in Pennsylvania is Choice Home Warranty. Choice has a perfect combination of broad coverage, fair pricing, and experience in the industry. The Choice Home Warranty plans can adequately protect any Pennsylvania home.
Any homeowner can and likely will benefit from a home warranty. These home protection plans prevent you from having to lay out hundreds and sometimes thousands of dollars when unexpected repairs and breakdowns pop up. However, there are certain individuals that will get the most benefit out of a home warranty.
First-time homebuyers are some of the best candidates for a home warranty. When you first buy a new home, you’re spending what is likely hundreds of thousands of dollars on an unknown property. There’s no telling if an appliance will stop functioning a week after closing or if the roof will start leaking within a month. Especially since first-time real estate buyers don’t know what to look for as far as signs of damage, a home warranty can be a great option.
Home sellers are also great candidates. In some cases, buyers might request specific repairs prior to closing, which a home warranty might cover. Even if repairs aren’t requested, you’re expected to maintain the property until the buyers take possession. A home warranty could save you from unexpected charges if something goes wrong leading up to the closing date.
Additionally, home warranties are particularly helpful for owners of aging properties. As homes reach 40 years old and beyond, they tend to experience more and more issues. A home warranty can help prevent excessive repair costs for aging homes and infrastructures.
Most home warranty companies offer HVAC coverage, which is highly sought-after in Pennsylvania. If you choose a plan that covers home services, chances are the HVAC equipment and ductwork will be included. It always helps to check the details of the plan before signing, though.
At House Method, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home.
Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:
Additional Pennsylvania Home Warranty Resources