Best Home Warranty Companies in Pennsylvania

Home warranty plans can help protect your property against damage not covered by your homeowners insurance policy. For example, if your electrical system breaks down due to normal wear and tear, your homeowners insurance won’t cover the damage. However, a comprehensive home warranty in Pennsylvania will have your system humming again in exchange for a small service fee.

Before going all in on a home warranty plan, make sure you do your research first and understand what you’re signing up for. In this guide, we’ll tell you everything you need to know about home warranties and explore five of the best home warranty providers in the Keystone State.

Pennsylvania’s top 5 home warranty companies

Top home maintenance problems in Pennsylvania

Is a home warranty really worth the money? When you compare the monthly cost of your home warranty to the astronomically high amount of money you’d need to pay if one of your home systems needs a repair or replacement, home warranties can be of great value.

Let’s take a look at a few of the most expensive problems you might see with your Pennsylvania property.

• Heating system overload: If you live near Lake Erie, one of the biggest environmental hazards you’ll need to manage is snowfall. It’s not uncommon for Erie residents to see upwards of 100 inches of snowfall each year. These freezing temperatures can put strain on your heating system, leading to a breakdown. A home warranty can help provide you with a repair quickly.
• Old home breakdowns: Because of the state’s rich history, you’re more likely to live in a home built before 1939, especially in Philadelphia. The older your property, the more likely it is that your home components will suffer a costly breakdown. A comprehensive home warranty plan will cover repairs and replacements to both major systems and major appliances.
• Air conditioning strain: Pennsylvania homeowners living in the middle of the state enjoy a full range of seasons, which means that they need to be prepared to deal with both hot, humid summers and frigid winters. A home warranty with systems coverage can provide protection for your air conditioners as well as your heaters. 

1. Liberty Home Guard

Liberty Home Guard is the top-rated home warranty provider on our list, with accreditation from the Better Business Bureau and an average customer rating of 4.67 stars out of 5. If you value policy affordability and customer testimonials, Liberty Home Guard might be the right choice for you.

Liberty Home Guard currently offers the following three plan choices:

• Appliance Guard: The Appliance Guard plan offers coverage for nine home appliances, like your cooktop and washer-dryer set.
• System Guard: The System Guard plan covers six home systems, including your air conditioning system and water heater.
• Total Home Guard: The Total Home Guard Plan combines all coverages found in both the Appliance Guard and System Guard plans for a lower monthly price.

You can customize your coverage with the following optional add-ons:

• Ejector pump
• Grinder pump
• Septic system pumping
• Limited roof leak
• Pest control
• Central vacuum
• Stand alone freezer
• Re-key
• Second refrigerator

• Well pump
• Sump pump
• Fixtures
• Water softener
• Lawn sprinkler system
• Electronics protection
• Swamp cooler
• Pool and spa
• Additional spa
• Gutter cleaning
• Floor/carpet cleaning

View a pricing breakdown from Liberty Home Guard below:

You’ll also pay a $60 service fee each time you request a repair.

Claim your free quote from Liberty Home Guard by filling out this online form or calling 866-451-2281.

2. America’s First Choice Home Club

Looking for multiple plan options? America’s First Choice (AFC) Home Club offers the widest selection of policy choices out of the providers in this review, all of which are available for under $60 a month. 

Homeowners can choose from the following plan options:

• System Plan: The System Plan covers six major home systems, including your heating system and electrical system.
• Silver Plan: The Silver Plan covers nine home appliances, including your oven and dishwasher.
• Gold Plan: The Gold Plan offers coverage for all of the home systems and appliances in both the Silver Plan and System Plan.
• Platinum Plan: The Platinum Plan covers everything included in the Gold Plan plus a few additional items.

Customize your plan from AFC Home Club with the following optional add-ons:

• Sump pump
• Hot water dispenser
• Septic system
• Pool and spa
• Additional freezer
• Central vacuum
• Well pump
• Tankless water heater

Here’s what you can expect to pay for your plan from AFC Home Club:

You’ll also pay a service fee ranging from $75 to $125 whenever you use your plan. You can choose your own service fee, but remember that choosing a lower one will increase your premium.

Claim your free quote from AFC Home Club by filling out this online form or calling 877-755-1115. 

3. Amazon Home Warranty

Amazon Home Warranty is another top-rated home warranty company offering policies throughout the United States. Amazon is best known for its extensive list of add-ons, which allow you to customize your policy with up to 23 additional coverages.

Amazon Home Warranty offers the following three plans in Pennsylvania:

• Appliances Plan: The Appliances Plan offers coverage for eight appliances, like your microwave and refrigerator.
• Systems Plan: The Systems Plan includes coverage for eight home systems, like electrical and plumbing.
• Combo Plan: The Combo Plan combines the previous two plans and adds a few more coverages.

Customize your home warranty with the following optional coverages:

• Pool
• Spa
• Additional central air conditioning system
• Additional central heating
• Central vac
• Lawn sprinkler system
• Well pump
• Septic system
• Wine refrigerator
• Whole house humidifier
• Septic tank pumping
• Stand alone freezer
• Additional fridge
• Sump pump
• Water softener
• Limited roof leak
• Extra hot water heater
• Ice-maker
• Extra oven
• Additional washer and dryer
• Additional dishwasher
• Additional microwave
• Duplex

Here’s what you can expect to pay each year for your Amazon Home Warranty plan:

You’ll also pay a $75 fee each time you make a service call.

Claim your free quote from Amazon Home Warranty by filling out this online form or calling 866-605-8194.

4. Select Home Warranty

Select Home Warranty is best known for its affordable plans and unique benefits not offered by competing home warranty providers. For example, all of the plans are under $40 a month and come with free roof coverage. You can also get two months of free coverage when you first sign up for a policy.

Select Home Warranty currently offers the following coverage options:

• Bronze Care: The Bronze Care plan includes coverage for eight home appliances, like your refrigerator and dishwasher.
• Gold Care: The Gold Care plan includes coverage for six home systems, ranging from your air conditioning system to your plumbing system.
• Platinum Care: The Platinum Care plan offers coverage for all items in the Bronze Care and Gold Care packages plus a few more.

You can customize your plan from Select with the following add-ons:

• Pool
• Spa
• Septic system
• Well pump
• Sump pump
• Lawn sprinkler system
• Roof leaks
• Central vacuum
• Stand alone freezer

View pricing information from Select Home Warranty below:

You’ll also pay a $75 service fee each time you use your coverage.

Claim your free quote from Select Home Warranty by filling out this online form or calling 888-370-3953.

5. Choice Home Warranty

Choice Home Warranty offers a generous, 90-day repair guarantee on its work, as well as a money-back guarantee if you cancel your policy less than a month after it begins. Choice’s two plan options are also easy to navigate and affordable, making the company an excellent choice for anyone who needs to purchase a plan quickly.

Both of Choice Home Warranty’s plans offer a mix of system and appliance coverage:

• Basic Plan: Choice Home Warranty’s Basic Plan covers 14 major home components.
• Total Plan: The Total Plan is Choice’s comprehensive option, with coverage for all of the items in the Basic Plan plus four additional systems and appliances.

You also have the following add-on options:

• Central vacuum
• Limited roof leak
• Septic system
• Septic tank pumping
• Sump pump
• Well pump
• Pool/Spa
• Second refrigerator
• Standalone freezer

Take a look at how much Choice Home Warranty costs:

You’ll also pay an $85 service fee each time you use your plan.

Claim your free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164.

Pennsylvania home warranty buying guide

From price per month to customer service availability, there are a number of factors you’ll want to consider when choosing a home warranty. Below are a few of the most important.

• Home inspection: Some home warranties require a home inspection before starting your coverage. While this slows down the coverage process, it does ensure that both parties know what home components are in working order so that the company can’t deny a claim down the line by saying it wasn’t properly running to begin with. You’ll want to decide whether you want a home inspection or not before choosing a company.
• Age-related policy exclusions: Pennsylvania is home to some of the oldest properties in the country. Unfortunately, many of these homes haven’t had the system and appliance maintenance they should have over the years. If you live in an older home, be sure to read the fine print on your home warranty policy to ensure that there aren’t limits on coverage for older components.
• Service fees: When you compare plan pricing, don’t just look at what you’ll pay per month—be sure to also consider each policy’s per-use service fee. A home warranty plan is useless if you can’t pay the fee needed to get a repair from your provider.

Our conclusion

Purchasing a comprehensive home warranty to complement your existing homeowners insurance policy can help you avoid thousand-dollar repair or replacement bills if you do suffer a breakdown from normal wear and tear.

While we’ve done plenty of research when it comes to the top home warranty providers in the Keystone State, the right choice for you might vary depending on your needs. We recommend contacting our recommended providers to learn more about what each home warranty company can provide you and your family.

Frequently asked questions about Pennsylvania home warranties

Which is better: Amazon Home Warranty or Choice Home Warranty?

The best policy for your needs will depend on what you value in your home warranty. If you value an extensive list of optional coverages, Amazon might be the right choice for you. If you’re looking for simple plan options and long workmanship guarantees, you might want to choose Choice Home Warranty.

Do home warranties cover fences?

Most home warranty companies in Pennsylvania don’t cover fencing damage. However, if your fence is damaged by some sort of storm, your homeowners insurance policy will likely cover it.

What is the difference between a home warranty and homeowners insurance policy?

A homeowners insurance policy will cover damage to your home that results from an accident like a fallen tree, burglary, or fire. Home warranties cover breakdowns that arise from everyday use of your systems and appliances.