Best Home Warranty Companies in Pennsylvania (2024)

Written by Dana Getz + 1 other Reviewed by Jacquelyn Kfoury Updated 12/11/2024

Dana Getz

Dana Getz is an experienced content manager with more than a decade of publishing experience across various industries. She has spent the last several years covering home services, specializing in home warranty recommendations and helping consumers make informed purchasing decisions.

Expertise an…

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Jacquelyn Kfoury

Jacquelyn Kfoury has more than 20 years of experience in the home services industry. She has expertise in consumer and commercial warranties, service contracts, claims processing, and repair fleet services. She began her career in telecom warranty management at Motorola before transitioning to S…

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After researching and rating 13 leading home warranty providers, we recommend American Home Shield to Pennsylvania homeowners. The company offers comprehensive HVAC, plumbing, and roof-leak protections. Liberty Home Guard is another excellent choice thanks to its extensive add-on catalog and multiple AC-unit protections.

Pennsylvania homes endure year-round climate challenges, which can strain your heating, cooling, and plumbing systems. When faced with unexpected issues and repair costs, you’ll want excellent home warranty coverage that offers peace of mind when faced with these emergencies. Discover our complete list of the best home warranty companies and find the right provider to protect your Pennsylvania home.

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This site receives compensation from the companies featured in this listing, which may impact where and how products appear. This listing doesn’t feature all companies, products, or offers that may be available.

Best Customer Support

4.4

$200 Off + 2 Months Free + Roof Leak Protection

Best Comprehensive Coverage

4.8

$150 off any plan

Best Basic Plan Coverage

4.7

CYBER SALE: $75 OFF + 1MONTH FREE!

Best for Flexible Coverage

4.6

$150 Off + 1 Month Free. 30-Day Free Trial

What Are Top Home Warranty Companies in Pennsylvania?

After reviewing 13 home warranty companies on 31 key factors, we selected the top providers for Pennsylvania homes:

• Best for Comprehensive Coverage: American Home Shield
• Best Customer Support: Liberty Home Guard
• Best for Customized Coverage: Elite Home Warranty
• Best Budget Plan: Select Home Warranty

Liberty Home Guard Visit Site
American Home Shield Visit Site
Select Home Warranty Visit Site
Elite Home Warranty Visit Site
Choice Home Warranty Visit Site
Overall Score We use extensive first-party research, secret shopping, and firsthand testing to evaluate companies on key factors. We then develop a numeric score for each brand to determine an overall score.	4.4 / 5 #1 out of 15 companies	4.8 / 5 #2 out of 15 companies	3.7 / 5 #3 out of 15 companies	4.6 / 5 #4 out of 15 companies	4.7 / 5 #5 out of 15 companies
BBB Rating The Better Business Bureau (BBB) is an organization that sets and maintains high ethical standards for businesses throughout the U.S. and Canada. A company’s BBB rating reflects its general treatment of customers and compliance with the organization.	NR	B	B-	B+	B
Monthly Cost	$49–$59	$49–$109	$44–$47	$44–$59	$46–$55
Service Fees A service call fee is the amount the homeowner pays every time a technician comes to their home to complete a service. The fees are a set amount and typically range from $65 to $125.	$65–$125	$100–$125	$60–$75	$70	$100
Customer Support Options	Email, Phone, Online Chat, Online Portal	Phone, Online Portal	Email, Phone, Online Portal	Email, Phone, Online Portal	Email, Phone, Online Portal
Response Time After a homeowner files a claim, home warranty response times typically range from 24 to 48 hours or more. Some companies guarantee a response time of fewer than 24 hours.	Up to 48 hours	Up to 48 hours	48-84 hours	Up to 48 hours	24–48 hours
Pros Company or plan features that are generally beneficial to most consumers	Extensive add-on catalog 60-day workmanship guarantee Accessible customer support	High coverage caps Preexisting coverage included Bonus discounts on maintenance services	Low-cost plan options High HVAC coverage Free roof leak protection	Higher coverage for high-end appliances 90-day workmanship guarantee Service call fee rolled into annual premium	$3,000 coverage caps for most items Bundled plan offerings priced under $60 Quick claims processing
Cons Elements of the company or its plans that some buyers may consider disadvantages	Reviews mention low claim payouts Low coverage caps for electrical and plumbing	Higher costs for comprehensive coverage Smallest add-on catalog	Low coverage caps for other items No service call fee flexibility	Higher service fee for high-end appliance repairs No workmanship guarantee on repairs by out-of-network technicians	Unresolved lawsuit with Arizona Attorney General's Office One service fee more expensive than other providers
Summary This is a brief overview of our thoughts on each company.	We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.	We recommend American Home Shield for homeowners who need comprehensive coverage for older homes.	We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage.	We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options.	We recommend Choice Home Warranty for homeowners who want an affordable basic plan with generous coverage limits for most items.
Promotions Some home warranty companies offer special discounts to make protecting your home systems and appliances more affordable. We’ve listed current promotional offers for each of our reviewed providers. These are national-level promotions; branch offices may offer varying deals.	$200 Off + 2 Months Free + Roof Leak Protection	$150 off any plan	Cyber Monday: 40% Off Home Warranty Plans	$150 Off + 1 Month Free. 30-Day Free Trial	CYBER SALE: $75 OFF + 1MONTH FREE!
Rating Categories We researched and scored 13 home warranty providers against our 100-point rating system. We divided each company’s score by 20 to determine our 5-star ratings. Our ranking factors cover the criteria homeowners find most important when shopping for a home warranty: coverage, value, trustworthiness, plan transparency, customer support, and flexibility.	Liberty Home Guard	American Home Shield	Select Home Warranty	Elite Home Warranty	Choice Home Warranty
Coverage Comprehensive coverage allows homeowners to save more on repair and replacement costs. We awarded providers points for offering generous coverage caps, unique coverage options, and no annual cap limits. We deducted points for coverage waiting periods of more than 30 days.	2.9 / 5	4.8 / 5	2.1 / 5	3.4 / 5	4.7 / 5
Value To determine the value of a home warranty, we considered each provider’s average monthly costs, service call fees, and billing options. Points were deducted for charging extra fees for certain services and repairs.	4.8 / 5	3.3 / 5	4.8 / 5	4.3 / 5	4.3 / 5
Trustworthiness Trustworthiness ratings were calculated based on average customer review scores, length of workmanship guarantees, and membership in trusted trade organizations. We deducted points for any brands with ongoing lawsuits. These factors help us separate legitimate home warranty providers from scammers.	4.3 / 5	3.7 / 5	3.7 / 5	4.7 / 5	3.5 / 5
Plan Transparency Transparent home warranty providers offer detailed disclosures on coverage, service call fees, and exclusions on their websites. We also awarded points to companies that provide sample contracts with thorough information on plan policies.	2.5 / 5	5 / 5	2.5 / 5	3 / 5	3 / 5
Customer Support We awarded points to home warranty providers that make it easy for homeowners to get in touch via multiple customer contact methods. Companies also earned points for quick claims response times and widespread state availability.	4.5 / 5	4 / 5	3 / 5	3.5 / 5	4 / 5
Flexibility Providers earned points for flexibility by offering more plans and add-ons. This helps homeowners customize their home warranty plans to meet their needs. We also awarded points to companies that allow customers to choose their own technician, pick a service call fee, and cancel after 30 days.	3.5 / 5	2.5 / 5	2.5 / 5	4.5 / 5	2 / 5

Do I Need a Home Warranty in Pennsylvania?

Home warranties provide great value for Pennsylvania homeowners by covering repairs and replacements for failed home systems and appliances. For example, HVAC systems are essential for homes as the state faces harsh hot and cold seasons.

Home warranty plans help reduce homeowners’ out-of-pocket repair or replacement costs. Below are the five most common appliances and systems that need repair most often in Pennsylvania homes.

Air Conditioning

Air conditioning is a crucial system for most homeowners in Pennsylvania. The U.S. Energy Information Administration (EIA) reports that 91% of statewide households have an AC unit. An air conditioning breakdown can create an extremely uncomfortable home environment. You’ll need to quickly find a trusted technician and pay AC repair costs of $100–$650, depending on the issue. But if your AC system completely fails, a replacement can run $2,500–$15,000 or more.

Gas Furnaces

A faulty gas furnace poses risks beyond just temperature control. Gas leaks from a broken furnace release carbon dioxide and reduce indoor air quality, which can seriously endanger your family’s health. While basic repairs may cost $30–$150, a full gas furnace replacement typically runs $5,000–$13,000.

Plumbing Leaks

A small leak in your plumbing can quickly become a major and expensive issue. Leaking pipes waste water and drive up utility bills. Leaks can also promote mold growth, posing a health risk. If left unaddressed, the water from plumbing leaks can cause severe damage to ceilings, floors, cabinets, and other home structures, requiring costly repairs. While a minor leak repair may cost $150–$450, replacing extensive plumbing sections can run up to $5,000 or more.

Roof Leaks

Even a small roof leak can turn into a major issue over time. Leaks enable bacteria growth that gradually eats away at roof integrity. The damage can then spread to ceilings, walls, and belongings. Roof repair costs typically range from $150–$2,000, depending on the deterioration’s extent. With more severe damage, partial or full roof replacement may be necessary, running $3,800–$10,000 or more.

Sump Pumps

A failing sump pump can create a big problem by allowing excessive moisture buildup in basements, attics, or crawl spaces. This excess water can lead to flooding, promote mold growth, and cause deterioration of flooring. Extensive water damage from a broken sump pump often requires thousands of dollars in restoration and repairs. Minor repairs could range from $350–$1,000, while a new sump pump installation could result in a bill of up to $4,000.

How Much Does a Home Warranty Cost in Pennsylvania?

The average home warranty cost in Pennsylvania is $54 per month or around $546-$828 annually. Some Additional costs for home warranty include service call fees, which are required with each requested repair or replacement. Our research shows that the typical service call fee ranges from $75–$125. Prices vary by provider, home size, and type, and your location within the state.

We’ve listed additional cost factors below:

• Home age: If you live in an older Pennsylvania home, your appliances and systems could be older and have certain physical damage. David Bringer, owner and head technician of Bringer Appliance Repair, says home warranties are necessary for older houses because their appliances and systems have probably exhausted their manufacturer's warranty coverage. You’ll need coverage that includes items with preexisting conditions, a rare feature. Many low-cost plans don’t include this coverage type. 
• Plan coverage: You’ll pay more for comprehensive coverage than appliance- or system-only plans. Assess your coverage needs and choose plans that align with your home items. Avoid overpaying for coverage you don’t need. 
• Unique add-ons: Most companies don’t offer baseline coverage for items such as extra refrigerators, rook leaks, sump pumps, or well pumps. You’ll need add-on coverage for those protections, increasing your overall costs. We recommend comparing quotes with all add-ons included for accurate pricing.

Note: The pricing information in this article uses a 2,063-square-foot, single-family home in Allentown, Pennsylvania. Your monthly premium may vary based on your home’s location, size, type, and your plan and add-on choices.

What Does a Pennsylvania Home Warranty Cover?

Home warranties in Pennsylvania provide coverage for system and appliance breakdowns due to normal wear and tear, not external factors such as weather events or lack of maintenance. Most companies exclude preexisting conditions, previous repairs, and any damage caused by homeowners tampering with or neglecting systems.

When shopping for a home warranty in Pennsylvania, it's important to understand what is typically covered and excluded and what additional options may be available. Our guide below outlines the standard coverage, common exclusions, and extra protections Pennsylvania homeowners may want to consider when choosing a policy.

Common Inclusions

Standard home warranty coverage typically includes a range of appliances and systems, such as heating and cooling systems, electrical and plumbing systems, kitchen appliances, and more. Here’s a list of common inclusions:

Common Exclusions

Standard home warranty coverage typically includes a range of appliances and systems, such as heating and cooling systems, electrical and plumbing systems, kitchen appliances, and more. Here’s a list of common inclusions:

Common Add-ons

Home warranty providers offer additional coverage for items like pools, secondary appliances, and sump pumps. These items can be added to your policy as supplementary coverage. We’ve listed some examples of add-on options below:

Our Home Warranty Research Process

To find the top Pennsylvania home warranty companies, we spoke with industry professionals to identify common repairs and replacements throughout the state.

We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, cost, trustworthiness, plan transparency, customer support, and flexibility to arrive at a final score on a 5-point rating scale. 

Pennsylvania Home Warranty Reviews

We’ve provided detailed reviews for our top picks for Pennsylvania home warranty providers below.

American Home Shield

Best for Comprehensive Coverage

4.8 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend American Home Shield for its comprehensive heating, cooling, and plumbing coverage. The company offers roof-leak coverage with its highest plans and as an add-on for lower-tier plans.

Monthly cost: $39–$99

Pros and Cons

Pros Covers items with physical damage, such as rust and sediment damage Offers HVAC coverage with every plan Provides add-on options for roof leaks and sump pumps. Cons Doesn’t offer a plan for appliance-only coverage Limits premium options to monthly payments Only provides five add-on options, the smallest catalog in our review

Plans and Cost

American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum.

We read through the American Home Shield sample contract and learned that the ShieldPlatinum plan includes $1,500 of roof-leak coverage. The other two plans require you to add this coverage. In addition, appliance coverage is only included in the ShieldGold and ShieldPlatinum plans. However, HVAC coverage is included in every plan at no extra charge. We also learned that AHS plans include a 30-day workmanship guarantee.

We’ll review American Home Shield’s coverage plans below:

• ShieldSilver: The lowest plan includes system-only coverage for major systems such as air conditioning, heating, and plumbing. 
• ShieldGold: The next tier covers systems and appliances, such as washers and dryers, ranges, and water heaters. 
• ShieldPlatinum: The highest plan includes ShieldGold coverage plus benefits such as roof-leak repairs and HVAC tune-ups.

During secret shopping, we received sample quotes for all three plans with service fees of $100 and $125. When we chose the higher service call fee, the monthly premium decreased.

AHS only offers monthly premium options for its plans. Most companies include an annual option with perks for paying in advance, such as free coverage months.

We’ve outlined American Home Shield’s pricing below:

Plan	Monthly Cost	Service Fee	Coverage Cap
ShieldSilver	$39.99–$49.99	$100–$125	$5000
ShieldGold	$59.99–$69.99	$100–$125	Systems: $5,000 Appliances: $2,000
ShieldPlatinum	$89.99–$99.99	$100–$125	Systems: $5,000 Appliances: $4,000

American Home Shield offers the fewest add-ons of all reviewed providers. Other providers on our list offer a minimum of 8–10 options. You can add roof-leak coverage to the two lowest plans for $10 monthly. AHS offers competitive add-on pricing from $4.99–$21.99 monthly. 

Add-on coverage includes the following items:

• Electronics protection plan
• Guest unit 
• Pool and spa
• Septic pump
• Well pump

Our Experience With American Home Shield

One of our team members recently filed an online claim with AHS for a leaky bathroom pipe and had a seamless experience:

• He received an instant text confirming his claim submission after filing it online.
• He got a call from a technician within an hour and scheduled a next-day appointment. 
• The technician fixed the leak in under two hours and only charged the standard service fee.

We should note that AHS does not let you use your own contractor for service repairs. You must select a service technician from its in-network options.

Liberty Home Guard

Best Customer Support

4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Liberty Home Guard for Pennsylvania homeowners seeking coverage of multiple AC units. The company offers excellent add-on flexibility, with 42 options for additional coverage, such as roof leak protection, extra fridges, and professional-grade appliances.

Monthly cost: $49–$59

Pros and Cons

Pros Offers two plans with HVAC and plumbing coverage Includes a 60-day workmanship guarantee on all repairs Provides 42 add-ons for better coverage customization Cons Claim response can take up to 48 hours Baseline coverage excludes roof-leak protection Claims must be filed immediately

Plans and Cost

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. After reading the Liberty Home Guard sample contract, we discovered that the company offers a $2,000 coverage cap for most items, save for electrical and plumbing systems, which receive a $500 coverage cap. Each plan includes a 60-day workmanship guarantee, double the 30-day industry standard. 

Here’s an overview of LHG’s service plans:

• Appliance Guard: This plan covers major appliances, such as cooktops, clothes washers, and ranges.
• Systems Guard: This plan focuses on built-in systems, such as heating, cooling, and plumbing.
• Total Home Guard: The highest-coverage tier combines the Appliance Guard and Systems Guard plans.

LHG does offer monthly and annual premium options. The company includes two free months of coverage with its annual plans. LHG service fees range from $65–$125. When we spoke to an LHG representative about the fees, she said they vary based on your service plan, add-ons, and location.

Below is a detailed look at LHG’s monthly pricing: 

Plan	Monthly Cost	Service Fee	Coverage Cap
Appliance Guard	$49.99	$65–$125	$2,000
Systems Guard	$54.99	$65–$125	$2,000 (Plumbing & electrical: $500)
Total Home Guard	$59.99	$65–$125	Coverage caps remain the same

Liberty Home Guard provides 42 coverage options, the most in this review. Since the company’s plans don’t offer roof-leak coverage, you’ll need it as an add-on. This coverage will add $11.99 to your premium costs. Our sample quote included recommendations for coverage based on our home address. Here are LHG’s recommended add-ons for Pennsylvania: 

• Septic system pumping
• Stand-alone freezer
• Sump pump
• Well pump

Our Experience With Liberty Home Guard

During secret shopping, we learned that LHG offers customers several convenient contact methods. We tested each method and listed our results below:

• Its LHG customer support team line connects you to a representative in under one minute. 
• Its live chat uses automated responses and real representatives to answer your questions. However, you must ask for a representative twice before you reach a live person. 
• We recommend using the live chat if you have brief, straightforward questions. For extensive plan guidance, call and speak to a representative.

We also learned that you can file claims through the online portal, the customer support line, or the Liberty Home Guard mobile app. 

Elite Home Warranty

Best for Customized Coverage

4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Elite Home Warranty for Pennsylvania homeowners who want more flexible coverage plan options. The company offers three plan options, one fully customized plan, and  27 add-on choices.

Monthly cost: $44–$58

Pros and Cons

Pros Has 27 add-on options, the second largest catalog in this review Offers three comprehensive standard plans, plus a fully customizable option Provides a 90-day workmanship guarantee, three times the industry standard Cons Charges a higher service call fee for high-end appliance repairs Doesn’t cover out-of-network contractors under its workmanship guarantee Doesn’t offer an online quote tool like other providers

Plans and Cost

Elite Home Warranty provides three standard protection plans: Elite Appliances, Elite Systems, and Elite Complete. You can also choose the Customize Your Own policy options and choose the exact item coverage you need. When reading through the Elite Home Warranty sample contract, we learned that the company varies its coverage limits between each item. Many providers offer the same coverage limit for their appliances and systems. In addition, Elite includes a $15,000 annual limit for all plans. You receive a maximum of $8,000 for all systems claims and $7,000 for appliances.

Here are the details of Elite’s available coverage plans:

• Elite Appliances: The appliance-only plan covers eight home appliances such as stovetops, washing machines, and dishwashers. 
• Elite Systems: The next plan offers system-only protection for eight home systems, including air conditioning, heating, and electrical. 
• Elite Complete: The highest plan combines Elite Appliances and Elite Systems plans for better comprehensive protection.

According to our over-the-phone sample quotes, Elite Home Warranty premiums range between $44–$58 per month. Unlike other companies that offer two or three service call fees, Elite only offers a standard $70 fee. However, the company charges a $150 fee for high-end appliance repairs and after-hour and weekend calls.

Here are Elite’s pricing and service fees below:

Plan	Monthly Cost	Service Fee	Coverage Cap
Elite Appliances	$44.49	$70	$500–$3,000
Elite Systems	$49.99	$70	$750–$4,000
Elite Complete	$58.99	$70	Coverage caps remain the same

Elite offers 27 add-on options, the second largest catalog behind American Home Shield. Elite’s add-on coverage limits vary by item. Like its coverage cap limits, you are limited to a $5,000 total limit per term.

Here’s a sample of available add-on coverage from Elite: 

• Annual maintenance
• Drainage, sewer, and water service lines
• Geothermal heating and cooling systems
• Septic system

Our Experience with Elite Home Warranty

Our team member tested the Elite Home Warranty claim process to repair their broken high-end dishwasher. They submitted the claim online and received a call from a claims specialist within 30 minutes. They received a next-day appointment for their repair, but the technician realized the repair would require out-of-stock parts. The technician returned with the required parts the following Monday morning and completed the repairs within an hour.

Elite uses its own authorized technicians for repairs and provides a 90-day workmanship guarantee. You can choose your own technician, but doing so voids the workmanship coverage.

Select Home Warranty

Best Budget Plan

3.7 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

For Pennsylvania homeowners seeking basic coverage at low prices, we recommend Select Home Warranty. The company offers complimentary roof-leak protection with all plans, plus pricing at $50 monthly or less.

Monthly cost: $44–$47

Pros and Cons

Pros Does not charge extra for roof-leak coverage Offers monthly premiums priced below $50 Protects HVAC and plumbing systems under two plans Cons Excludes coverage for unknown preexisting conditions Offers coverage caps of $500 or lower for most items Provides limited service call fee flexibility

Plans and Cost

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. After reviewing the Select Home Warranty sample contract, the company offers lower coverage caps than its competitors at $500 for most items. These coverage limits are below industry standards, which is around $2,000. Only HVAC systems receive a generous $3,000 coverage cap. All repairs and replacements include a 30-day workmanship guarantee. We recommend Select to Pennsylvania homeowners who need HVAC and roof-leak protection at an affordable price.

We’ll cover each Select Home Warranty plan below:

• Bronze Care: This appliance-only coverage includes major appliances, such as cooktops, garbage disposals, and refrigerators.
• Gold Care: The system-only plan includes home systems such as HVAC and plumbing.
• Platinum Care: The highest plan combines the Bronze and Gold Care plan coverage and adds other items, such as luxury appliances and plumbing stoppages.

You can choose an annual or monthly premium. During our secret shopping process, we receive a $150 discount and two free months of coverage when choosing an annual premium. Select assigns service fees for its plans based on your location.

Below are Select’s monthly prices and fees:

Plan	Monthly Cost	Service Fee	Coverage Cap
Bronze Care	$44.42	$60–$75	$500
Gold Care	$44.42	$60–$75	$500 (HVAC: $3,000)
Platinum Care	$47.75	$60–$75	Coverage caps remain the same

Similar to its premiums, Select offers nine affordable add-ons, with pricing ranging from $3.33–$8.33. Coverage options include sump pumps, septic systems, and well pumps.  

Additional add-on options include the following items: 

• Central vacuum
• Lawn sprinkler system
• Pools 
• Spas
• Stand-alone freezer

Our Experience With Select Home Warranty

We spoke with a Select representative to gain more insight into the company’s plans and process. The representative said Select prefers resolving plan issues and processing claims over the phone. In addition, we received a better service call fee with our over-the-phone- quote compared to the online quote tool. If you’re considering Select as a provider, we recommend calling their support team for sign-up, claims, and account resolutions.

Which Home Warranty Companies Didn’t Make the List?

While evaluating the best home warranty providers in Pennsylvania, we excluded certain companies due to their limited coverage and restricted plan options. However, the companies mentioned below, although not ranked as top providers, are still legitimate options to consider if their coverage matches your specific needs.

AFC Home Warranty

Although AFC Home Warranty does provide unlimited system caps for HVAC and plumbing, it applied a depreciation policy to items five years and older. This policy reduces your payout and isn’t suitable for Pennsylvania homeowners seeking coverage for appliances and systems that are older. However, the company does offer an unlimited workmanship warranty, which is a rare feature among home warranty companies. AFC Home Warranty might be a better fit for Pennsylvania homeowners with new appliances and systems and who want plan-length workmanship coverage. 

Cinch Home Services

Cinch Home Services offers some HVAC coverage, but it is limited compared to other home warranty providers. The maximum payout for HVAC claims is only $1,500 under Cinch's plans, which is lower than some of our reviewed providers. Roof leak coverage is not included in Cinch's standard plans or available as an add-on either. The main advantage of Cinch is the basic HVAC protection, so it may be a reasonable choice for Pennsylvania homeowners who need just that baseline coverage.

HomeServe

HomeServe provides 17 different system-specific home warranty plans, but no add-on options to expand coverage. The exact plans and exclusions vary depending on location, with coverage limits differing for each system covered. One advantage is that most HomeServe plans waive service call fees and include a one-year workmanship guarantee. Given the specialized, system-only coverage, HomeServe is best suited for Pennsylvania residents who want to focus on one or two key systems in their home rather than comprehensive whole-home protection.

How Are Home Warranties Regulated in Pennsylvania?

As of 2010, home warranties no longer fall under the Pennsylvania Insurance Department's regulation since they are not considered “insurance.”  However, home warranty customers are protected by the Bureau of Consumer Protection through the Office of the Attorney General in Pennsylvania. You can file a complaint through the website for provider or policy issues.  Additional organizations, such as the Service Contract Industry Council (SCIC), assist with regulating home warranties in each state.

Other Resources for Residents in Pennsylvania

• Best Solar Companies in Pennsylvania
• Best Moving Companies in Pennsylvania

FAQ About Home Warranties in Pennsylvania

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.