Best Home Warranty Companies in Pennsylvania (2025)

We recommend American Home Shield for its comprehensive heating, cooling, and plumbing coverage with limits of up to $5,000, much higher than the industry-standard $2,000. The company offers roof-leak coverage with its highest plans and as an add-on for lower-tier plans, a nice feature to have in long, snowy Pennsylvania winters (around half of the Pennsylvanians we surveyed purchased additional roof-leak coverage). It’s worth noting, though, that AHS’ top-tier plan is the most expensive on our list. Its service fees—the fixed cost you pay the contractor for each claim—are also the second-highest on our list.

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.

Here’s an overview of American Home Shield’s coverage plans:

• ShieldSilver: The lowest-tier 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-tier plan includes ShieldGold coverage plus benefits such as roof-leak repairs and HVAC tuneups.

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 just six add-ons, whereas many competitors offer many more customizable options. However, its add-on pricing is a competitive $5–$22 monthly.

Add-on coverage includes the following items:

• Electronics protection plan
• Guest unit 
• Pool and spa
• Roof-leak repair
• 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.

AHS doesn’t let you use your own contractor for service repairs. You must select a service technician from its in-network options. AHS plans include a 30-day workmanship guarantee, which is the industry standard.

Choice Home Warranty is a smart choice if you want comprehensive coverage at a low price. CHW’s comprehensive plan, which covers most appliances and home systems, offers the most affordable monthly price (with a $100 service fee) of any company on this list. Its coverage has few exclusions, and you can choose up to 10 add-ons to customize your plan. However, the company is in an ongoing lawsuit with the state of Arizona for alleged deceptive practices and has been sued or censured in several other states.

Choice Home Warranty offers only two service plan options, the Basic Plan and the Total Plan. CHW’s sample agreement outlines its generous $3,000 coverage limit for most appliances and systems, except for most add-ons, which generally have a $500 coverage limit. CHW offers a standard 30-day workmanship guarantee.

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

• Basic Plan: The lowest-tier plan covers most appliances and systems, excluding air conditioners, washers, dryers, and refrigerators.
• Total Plan: The comprehensive plan adds coverage for ACs, washers, dryers, and kitchen refrigerators. 

CHW offers a monthly or yearly payment option but charges a $2.50 per month fee for monthly payments. You’ll pay a flat $100 service fee for all plans.

Here’s an overview of CHW’s pricing: 

CHW offers 10 add-on coverage options, which range from $3 to $15 per month. The company doesn’t provide limited roof-leak coverage within its plans, but you can add it for $6 per month.

Here’s a sample of CHW’s add-ons: 

• Limited roof leak
• Pool and spa
• Second refrigerator
• Well pump
• Sump pump

Our team member purchased a Choice Home Warranty plan for several rental houses. She had a mixed experience with filing claims. When she called about an issue, she would sometimes have to wait for half an hour or more to speak with a representative. However, once representatives answered the phone, they typically filed her claim in around five minutes.

Though contractors arrived at her rentals in a timely manner, they weren’t always able to immediately fix the issue. They would sometimes return several times over several weeks or months to fix the issue. At least one contractor asked for the service fee, told her the problem, then left without fixing it.

CHW denied one claim for pipework the company said wasn’t covered. For a broken tub, none of the contractors CHW sent out would agree to fix the issue, as they claimed they would not be paid enough for the job.

We recommend First American Home Warranty for Pennsylvania homeowners who need substantial plan options for high-end appliances—its top plan offers up to $7,000 for most appliances and unlimited coverage for washers and dryers. The Premium Plan also offers coverage such as roof-leak protection and haul-away costs. You’ll need to purchase one of the top two plans to get decent coverage, though, as the bottom plan covers the bare minimum.

First American Home Warranty offers three service plan options: the Starter, Essential, and Premium plans. The First American Home Warranty sample contract details coverage caps for major systems and appliances: Generally, major systems have an unlimited coverage cap, while appliances have a $3,500 coverage cap, or a $7,000 coverage cap with the Premium Plan. Limited roof-leak coverage and ductwork have a cap of $1,000.

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

• Starter Plan: This plan covers some systems and appliances, including heaters, but it excludes ACs, water heaters, washers, and dryers.
• Essential Plan: This plan adds coverage for additional appliances (kitchen refrigerators, washers, and dryers), electrical components including garage door openers, and HVAC.
• Premium Plan: The highest-tier plan also provides roof-leak coverage, higher spending limits for appliances, and out-of-pocket expenses for code upgrades and haul-aways.

You can pay your premium monthly or annually, although the representative we spoke to said monthly payments are the better option as paying annually only saves you handling fees of $24 per year. FAHW’s service fees are $100 or $125, and monthly premiums vary slightly based on your chosen fee.

Below is a look at FAHW’s monthly pricing in Pennsylvania with a $100 service fee: 

FAHW offers 17 add-on coverage options, including roof leak, outdoor kitchen, and pool and spa.

Here are some add-ons FAHW offers: 

• HVAC tuneups
• Pool and spa 
• Roof leaks
• Septic system
• Water softener

Our team member received a First American Home Warranty when he purchased his new home in 2008 and has renewed it each year since. He filed the claim using the online portal; a contractor called within an hour and scheduled an appointment within two business days. He only paid his $85 service fee, as FAHW covered the rest. His previous claims were equally smooth.

FAHW guarantees its contractors’ work for 30 days, but you must use one of its service technicians. We found its policy here fairly restrictive.

We recommend Elite Home Warranty for Pennsylvania homeowners who want more flexible coverage plan options. The company offers three plan options, one customizable plan, and 33 add-on choices. While its coverage limits vary widely, its annual limit of $15,000 in total coverage is much higher than competitors.

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. The Elite Home Warranty sample contract details 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, a much higher annual limit than competitors like AFC Home Warranty. You receive a maximum of $8,000 for all systems claims and $7,000 for appliances.

Here are the details of Elite’s 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-level plan combines Elite Appliances and Elite Systems plans for better comprehensive protection.

According to our online sample quotes, Elite Home Warranty premiums range between $45 and $60 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:

Elite offers 33 add-on options, the largest add-on catalog on this list. Elite’s add-on coverage limits vary by item.

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 his broken high-end dishwasher. He submitted the claim online and received a call from a claims specialist within 30 minutes. He scheduled a next-day appointment for the repair, but the technician realized the repair would require out-of-stock parts. The technician returned with the required parts three days later and completed the repairs within an hour.

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

We recommend AFC Home Warranty for homeowners who want extensive coverage and protections for new homes. The company allows you to hire your own contractor for repairs, unlike most competitors, and provides workmanship warranties that last the life of your plan. You’re assigned a dedicated account manager as long as you’re a customer. Additionally, AFC has added a promotional roof-leak coverage for no additional cost to all plan tiers.

But while AFC has lots of perks, you’ll pay for them—its monthly premiums are some of the highest on this list.

AFC Home Warranty offers four plans: Silver, Gold, Platinum, and Diamond. We read through all four AFC sample contracts to understand what each plan covers. AFC’s basic Silver Plan offers appliance coverage only. Systems coverage begins with the Gold Plan. The Platinum Plan offers additional appliance coverage, and the Diamond Plan offers smart-home electronics coverage for your phone, watch, or even gaming device, as well as exterior sewer and water lines.

Here’s an overview of what each plan covers:

• Silver Plan: The lowest-level plan includes coverage for many appliances, including your cooktop, refrigerator, washer, and dryer.
• Gold Plan: The next tier adds coverage for major systems, including HVAC, electrical, and plumbing.
• Platinum Plan: This tier adds coverage for built-in microwaves and garage door openers, plus plumbing stoppages, faucet repairs/replacement, and icemakers.
• Diamond Plan: AFC’s highest tier adds coverage for electronics—including TVs, computers, and smartphones—exterior sewer lines, and exterior water lines.

We received over-the-phone quotes for Pennsylvania for all four plans. While monthly premiums decrease by about $100 each with a higher service call fee of $125, the representative we spoke with said most customers choose the $75 service call fee as it pays for itself in two claims. AFC offers monthly premium options, yearly options that offer a savings of roughly 9%, or three-year payment options that lock in your price for three years.

Below is AFC Home Warranty’s pricing options for its four plans:

AFC Home Warranty offers a small number of add-ons that range from $25–$150 per year.

Add-on coverage includes the following items:

• Additional appliances or electronics
• Pool and spa
• Septic system
• Sump pump
• Well pump

When our team member filed a claim with AFC Home Warranty, she found the online portal easy to use, but the multiple text messages she received afterward confused her. One message instructed her to call the company, but when she did, she was told her claim had been processed online and it wasn’t necessary to call. She had to get two contractors out to fix her leaky toilet but was only charged for one service call fee and had no other out-of-pocket costs.

AFC offers a workmanship warranty for the life of your plan—by far the best guarantee of any company on this list.