Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
There are many advantages of owning a home, but as your Chambersburg home gets older, you may have to update or repair your appliances and systems. A home warranty can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be challenging because of the sheer number of options available. If you're frustrated with trying to compare them all, keep reading for our guide to the best home warranty companies in Chambersburg.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Chambersburg, Liberty Home Guard offers the most trustworthy home warranty. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
For more information, read our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In Chambersburg, Choice Home Warranty offers the best overall home warranty. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
For more information, read our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Chambersburg, Select Home Warranty offers the most cost-effective home warranty. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
For more information, read our Select Home Warranty Review. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Chambersburg, American Home Shield offers the most customizable home warranty. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information, read our American Home Shield Review. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Chambersburg, First American Home Warranty offers the best home warranty for appliance coverage. The 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
For more information, read our First American Home Warranty Review. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Chambersburg, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information, read our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Chambersburg, The Home Service Club offers the best home warranty with the quickest service. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information, read our The Home Service Club Review. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,858 |
| Heating | $3,905 |
| Electrical | $586 |
| Toilets | $488 |
| Washer/Dryer | $781 |
| Plumbing | $586 |
| Oven | $1,562 |
| Fridge | $586 |
A home warranty is a protection plan that assists Chambersburg homeowners cut the high costs of household repairs. These plans provide financial protection to repair or replace appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who live in older homes or ones with outdated systems. Newer builds with modern fixtures probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Covered appliances typically include dishwashers, refrigerators, garbage disposals, microwaves, dryers, washers, and more. Covered systems include electrical, plumbing, air conditioning, and heating. Many home warranty providers also offer additional coverage for locksmiths, central vacuums, septic systems, and roof leaks. Most home warranty plans require Chambersburg homeowners to wait 30 days before the plan will cover repairs. Moreover, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty terms to know before signing a contract:
There are several important considerations when choosing a home warranty provider:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for electrical, AC, plumbing, heating, and appliances. More comprehensive options also offer protection for other items such as pools, well pumps, roof leaks, and spas. Look for a company that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for companies advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about providers. Good feedback and ratings suggest a company known for providing quality service.
Home warranty companies maintain networks of professionals to handle covered repairs. More extensive networks improve the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Chambersburg to get a sense of how quickly your repairs could happen in an emergency.
Home warranty providers may include perks such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras add value beyond just repair coverage. Additional perks maximize the usefulness of the home warranty.
Home warranty policies are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Chambersburg hitting an average high of 60℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can significantly decrease out-of-pocket expenses should your HVAC system stop working.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet contractors by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Plus, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you’ve been getting.
As for the downsides of home warranties, coverage varies by provider, so it’s important to read what each policy covers and doesn’t include in the contract.
Another downside is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Chambersburg can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim should you need a new refrigerator or stove, unless the damage is a result of a natural disaster, which isn't that common in Chambersburg.
A home warranty can help homeowners, homebuyers, home sellers, real estate agents, and investors. It can provide peace of mind to anyone involved in homeownership.
The different home warranties in Chambersburg include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the contract.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Chambersburg, where the median home value is $260,402, having the seller pay for the home warranty can be a good asset for your new home.
