Top Best Home Warranty Companies In Pennsylvania Review

Curious to learn about home warranty companies and their plans available in Pennsylvania?

Perfect, you’re in the right spot. In this review you will learn: 

  • What is a home warranty for a Pennsylvania resident?
  • How do you select a coverage plan in PA that is right for you?
  • Who should consider having a home warranty policy in PA?
  • And much more!

To help you protect your wallet from unexpected expenses, we’ve reviewed 68+ home warranty companies in the Keystone State, and will present the best 7 companies and their coverage plans below. Eager to know more? Keep reading!

Editor's Choice

Limited Time: New Customers Get $50 Off
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Best Overall

Limited Offer: $50 Off + 1 month free
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Most Affordable

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Home Warranty Companies in Pennsylvania

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.5
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Disclosure: has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

A home warranty in Pennsylvania is a must-have for many state residents. It does not matter if you own a single-family house, townhouse, condo or a mobile homes . The best home warranty companies in Pennsylvania are available to you in any situation and are offered by several companies that we have reviewed below.

How to Select the Best Home Warranty Companies in Pennsylvania

Selecting a home warranty in Pennsylvania may be tricky, and our home warranty reviews should help you with that. However, before you even start reading reviews of the Pennsylvania home warranty companies that we selected for you, think about what parts and components of your household should be covered first, how old they are, and how the climate that you live in may have an impact on their normal wear and tear.

Age of Your House

Is your house relatively new or it has been built more than 10 years ago? Home warranty vs. home maintenance calculatorThe age of the house is closely related to how many repairs it might need per year. In order to help you decide whether you need a home warranty in PA, we have created a Home Maintenance Calculator. By entering the age of your house and an estimated number of repairs per year, you may see how much it will cost to pay for repairs out of pocket vs. to purchase a home warranty.

So, the older your house is, the more comprehensive of a home warranty you might want to purchase. One of the best home warranty companies in Pennsylvania, Choice Home Warranty offers a great comprehensive plan called the Total Plan that includes coverage of all major home systems and appliances.

Read Also: What Are The Recommended Home Warranty Companies For An Older Home?

For the new houses, there is a new construction home warranty that may cover those home systems and appliances, which are not covered by the manufacturer's warranty or their warranty has expired. One of the oldest home warranty companies on the market, 2-10 Home Buyers Warranty offers a New Home Structural Warranty program. It is available for 10 years and is not renewable.

For older houses, you need to see the working condition of their home systems and appliances. In case your appliances have been recently updated, you might not need to cover them under a home warranty. For these cases, some home warranty companies in PA offer special plans that cover home appliances only. First American Home Warranty, for example, provides coverage for your dishwasher, refrigerator, stove or cooktop, garbage disposal, built-in microwave, and washer and dryer under their Basic plan.

Climate You Live In

Pennsylvania has two major climate zones. The majority of the state is located in a humid continental climate, which has cold winters and humid summers. In the mountains, the winters are even colder, and the snowfalls are greater.

Pennsylvania climate zones

What does that mean in terms of a home warranty in PA?

For those Pennsylvanians who live closer to the mountains in cities and towns like Williamsport, Wilkes-Barre, Scranton, Harrisburg, and Hanover, PA, frequent snowstorms are not unusual, and you need to prepare your house accordingly.

First of all, you have to make sure that your heating system functions properly. In case there are any malfunctions, most home warranty companies in Pennsylvania will be able to provide their services if you cover this system under their plans.

To Learn More About Heat Pump Coverage, Read This Link!

One of the companies that provide the best home warranty in Pennsylvania, Service Plus, offers coverage for up to two heating systems, either hot water radiators or centrally ducted forced air, provided they are the primary sources of heating in the house.

In case you live in the western and northwestern parts of the state, closer to Lake Erie, your area may receive over 100 inches of snowfall annually with plenty of precipitation throughout the year with the mean of 28.2 inches across the state.

High humidity and precipitation may have a detrimental effect on the operation of electrical appliances and the electrical system in general.

To avoid the hustle and expense of any unexpected repairs or replacements of your home appliances, it makes a lot of sense to cover them under a home warranty. To select the best home warranty companies in Pennsylvania, please read their review carefully. This will help you avoid any misunderstandings and claim denials in the future.

Want to know more about protecting your heat pump during a PA winter? Checkout this video about the importance of maintenance for your heating system.


The best home warranty plans for your home systems are available from various home warranty companies in PA, including Select Home Warranty. Their Gold Care plan is an excellent choice for home systems coverage. It includes heating and air conditioning, water heater, plumbing, ductwork, and electrical systems.


Compare Top Home Warranty Plans - In Our Research

As soon as you start selecting a home warranty plan, you face many questions. Which home warranty in the best for you? Does it provide the right coverage? Which home warranty plan should you choose? Will give you the best value for the money? Read our research article that compares top home warranty plans: how much they cost and which home systems and appliances they cover.

Find the Right Home Warranty Plan For You

Who Should Get a Home Warranty in Pennsylvania?

Pennsylvania is in top-5 states by population with almost 13 million people living there. Almost 69% own their houses, which makes them current or potential clients of home warranty companies in PA. Home warranty companies in PA offer coverage to the owners of single-family homes, townhouses, condos, and even mobile homes .

Read Also: What Is The Best Home Warranty For Condos?

Home Warranty for Homebuyers

If you are a first-time homebuyer, you may ask your real estate agent if a home warranty is included in your contract. Even if it is not, many estate agents are willing to give a home warranty to their clients as a thank you gift.

Many new homeowners prefer to buy basic plans that cover only the essential home systems and kitchen appliances. More seasoned homeowners often prefer to switch to a more comprehensive plan.

Old couple selling a house with a home warrantyHome Warranty for Home Sellers

If you are a home seller, you may benefit from having a home warranty as well. You will not have to pay anything extra for house repairs or replacements if something accidentally breaks while the house is on the market.

Many homebuyers prefer houses covered under a home warranty to those that are not. Besides, the buyers are less likely to negotiate the price downwards if they know that the house systems and appliances are protected under a home warranty.

Do you own a duplex and are looking to list your unit in Pennsylvania? Check out this link to learn how your duplex can be protected as a homebuyer and a home seller.

Best Home Warranties in Pennsylvania Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).


  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 


  • Only 15 Home Appliances & Systems Covered 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions


  • Most Expensive


Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan


  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.


  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company


  • Must report your issues within one day of noticing a problem

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • You Can Choose Your Own Technicians
  • Roof Coverage


  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Final Words About Buying a Home Warranty in PA

Buying a home warranty in Pennsylvania is a good idea especially for those homeowners who live closer to the mountains. The climate is harsher there, and it may have a detrimental influence on the normal wear and tear of your home systems and appliances.

Selecting the best home warranty company in PA is not an easy task. You should keep in mind not only the location of your home but also its age. The older the house, the more comprehensive your home warranty should be.

Any property owner, from a condominium to a single-family house may benefit from having a contract with the best home warranty companies in Pennsylvania. For larger properties, some companies, like Service Plus, offer coverage for up to two heating or air conditioning systems.

Read Also: What Are The Best Home Warranty Plans For A Furnace?

Many new homeowners receive a home warranty as a gift from their real estate agents. In many cases, the home warranty may be transferred from the previous owner to the new one.

Home sellers may also benefit from having a home warranty as it protects their wallets from any unexpected expenses on house repairs and makes their property more appealing to prospective buyers.

Want to compare home warranties in nearby states? We've got you covered. Be sure to read our reviews on Delaware, New York and Ohio.


Nearby States

All states
Home warranty Delaware 36 companies available
Delaware Home Warranty
Home warranty Maryland 37 companies available
Maryland Home Warranty
Home warranty New Jersey 36 companies available
New Jersey Home Warranty

Frequently Asked Questions in Pennsylvania

Below are just some of the frequently asked questions we receive about home warranties in Pennsylvania.


Is a Pennsylvania home warranty worth it?

Whether your home is in Philly, Pittsburgh (or their suburbs), in Amish country, or any other part of that beautiful state, your appliances and systems aren’t getting any younger. 

That’s why a home warranty can be well worth it. If just one major system or appliance stops working, you could be out hundreds or even thousands of dollars. A home warranty can protect you from the most common wear and tear problems with those systems and appliances you rely on. 

What are the best home warranty companies in Pennsylvania?

We’ve taken a close look at over 65 home warranty companies. Here are the top performers for the state of Pennsylvania. 

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus

What do home warranties cover?

A home warranty is meant to cover breakdowns that happen with everyday wear and tear on your most common systems and appliances. It is meant to take up some of the slack that a homeowner’s insurance policy does not cover. 

1. Most Common Coverage


  • HVAC (heating and air conditioning) 
  • Plumbing system
  • Electrical system
  • Water heater


  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

2. What some cover

Some providers will also include coverage for your HVAC ductwork and things as small as a garbage disposal or your doorbell. 

Many providers offer optional coverage for less common systems or appliances like septic pumps, well pumps, and your pool and/or spa.

3. What few cover

Some home warranty companies offer protection on unique items. Liberty Home Guard and American Home Shield offer coverage for home electronics and Select Home Warranty covers limited roof leaks on all policies, not just as an add-on. 

How much does a Pennsylvania home warranty cost?

The cost for a home warranty service agreement has two components: the monthly premium and the service call fee. Monthly premiums can range from around $39 for a simple Appliance or Systems Plan, to around $70 for a comprehensive Combo Plan. Add-on coverage will add dollars beyond that to the monthly premium.

A service call fee is assessed only when a claim is made and a service technician comes to your home. That cost ranges from around $65 to $125

Combo Plan
Top Five Average

How do I choose a good home warranty?

Here are a few simple steps to take to make sure you are getting the right home warranty for your needs.

  1. Read the reviews. What are the most important appliances and systems that you want to have protected in your home? Which home warranty companies are operating in Pennsylvania? 
  2. Get several quotes. You’ll want to get quotes on pricing for two or three of your top home warranty companies to be sure you are getting the best deal.
  3. Read the fine print. What does the service contract say about exclusions and coverage limits? Like any agreement, you’ll want to understand the details before signing and making that first payment.