5 Best Home Warranty Companies in Pennsylvania (2024)

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

We scored Liberty Home Guard 4.5 out of 5 stars in our review standards. Here’s how LHG rated in key categories:

• Coverage (4.7 out of 5): LHG received high scores for its HVAC and plumbing coverage and extensive add-on catalog. 
• Value (4.25 out of 5): We deducted points for its unclear and inconsistent service fee pricing. 
• Trustworthiness and Transparency (4.8 out of 5): LHG received high marks for its exceptional customer reviews on several sites, such as 4.7 out of 5 stars on Google Reviews.
• Availability and Service (4.3 out of 5): We deducted points for its limited service technician options.

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: 

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

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. 

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

We scored American Home Shield 4.4 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): American Home Shield received high scores for its excellent HVAC, plumbing, and roof-leak coverage. 
• Value (4 out of 5): AHS lost points for its higher-than-average premiums. 
• Trustworthiness and Transparency (4.25 out of 5): We deducted points for its low customer service scores on several third-party review sites. 
• Availability and Service (4.7 out of 5): AHS scored higher points for its 24/7 claims line and simple online claims process. 

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:

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

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.

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

We scored Elite Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.6 out of 5): Elite scored well thanks to its plan variety and extensive add-on catalog.
• Value (4.25 out of 5): Elite lost points due to only offering one standard service call fee, but charging a higher rate for high-end appliance repair calls.   
• Trustworthiness and transparency (4.8 out of 5): Elite received a high score for its solid brand reputation and excellent customer review scores.
• Availability and service (4.5 out of 5): Elite lost points for its limited online services, which includes its lack of an online quote tool.

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:

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 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.

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

We scored Select Home Warranty 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (3.7 out of 5): We deducted points for Select’s lower coverage caps.  
• Value (5.5 out of 5): Select earned a perfect score for its affordable coverage plans. 
• Trustworthiness and Transparency (4.5 out of 5): Select lost points for its lower customer reviews scores. 
• Availability and Service (4.3 out of 5): We deducted points for its lengthy claims process, which could take 48 hours or longer for processing. 

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:

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

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.

We recommend Choice Home Warranty for Pennsylvania homeowners who need more complete home protection for less. The company offers two coverage plans priced under $60 per month, including comprehensive coverage even under its most basic plan.

Monthly cost: $46–$55

We rated Choice Home Warranty 4.5 out of 5 in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): Choice received a high score for its $3,000 coverage caps, which exceed the industry standard. 
• Value (3.75 out of 5): Choice lost points for its limited service call fee selection since it only offers a $100 fee for every plan. 
• Trustworthiness and Transparency (4.7 out of 5): We awarded high points for its extended workmanship warranty, which offers 90 days of protection. 
• Availability and Service (4.7 out of 5): Choice scored well for its prompt claims process, which begins within four hours of filing a claim. 

Choice Home Warranty offers two coverage plans: Basic Plan and Total Plan. Other reviewed companies provide an average of three plans for better selection. After reading through the Choice Home Warranty’s sample contract, we discovered that all appliances and systems receive a $3,000 coverage cap. However, it excluded essential appliances, such as refrigerators, air conditioners, and clothes washers and dryers, from its lowest plan. You must move to the Total Plan if you need coverage for these items.

Let’s take a closer look at Choice’s coverage plans:

• Basic Plan: This plan offers combination coverage for 14 systems and appliances, including built-in microwaves, heating, and plumbing. 
• Total Plan: Its highest plan covers 18 appliances and systems, including air conditioning, clothes washers, clothes dryers, and refrigerators.

Choice Home Warranty offers annual and monthly plan premiums. Our sample quote included a 5% discount for either premium option. However, the company does charge a $2.50 monthly fee with its monthly plans. Choice charges a flat $100 service call fee regardless of the repair cost. Most companies offer two or more options for better pricing customization. Its fee is slightly higher than most companies, placing it closer to American Home Shield’s service fees.

Here are Choice Home Warranty’s premium rates and service fees:

Choice Home Warranty offers 11 plan add-on options ranging from $3.33 to $15, making them very affordable. You can add roof-leak coverage for $5.83 per month, cheaper than other providers. Added appliances, such as second refrigerators or stand-alone freezers, only cost $3.33 monthly per appliance.

You can also add coverage for the following items:

• Central vacuum
• Pools and spas
• Septic tank pumping
• Septic tank systems

Choice Home Warranty has a B rating from the Better Business Bureau, but some homeowners have reported some concerning issues. Many customer reviews cite problems reaching customer service and lengthy 1-2 month repair wait times. In addition, the Arizona Attorney General filed a consumer fraud lawsuit against Choice in 2019. The ongoing case alleges the company used loopholes and exclusions to avoid paying for repairs.

Homeowners should carefully consider whether Choice Home Warranty is the right provider for their needs.