How to Choose a Pennsylvania Home Warranty

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In Pennsylvania, having a home warranty can protect you from repair and replacement costs associated with your home’s systems and appliances. However, warranties come loaded with premiums and costly coverage, making it difficult for homeowners to reap the benefits. 
From bustling cities to beautiful suburbs and lush countrysides, owning a home in Pennsylvania comes with many perks. However, owning a home in the Keystone State also comes with a lot of responsibility——often, life throws you unexpected curveballs that can leave you feeling defeated. Some folks like to prepare their home for the unexpected by having a home warranty—but is it right for you?
If you’re unsure, that’s okay! Jerry, the super app for home insurance, is here to help! Below is a guide that covers everything you need to know about home warranties in Pennsylvania so that you can make an informed decision for yourself and your home.
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What is a home warranty?

A home warranty is essentially a plan that covers costs associated with repairs and replacements for your home’s systems and appliances. The plans usually run on one-year terms and cover normal wear and tear to refrigerators, heating, plumbing, etc. 

Home warranty vs. home insurance

A common misconception is that a home warranty and homeowners insurance are more or less the same things. However, there is a huge difference between homeowners insurance and a home warranty. A home warranty protects you from repair and replacement costs for systems and appliances within your home. The only catch? The repairs and replacements have to be caused by natural wear and tear—if your home warranty company suspects intentional damage, then your claim may be denied on the grounds of owner negligence
On the other hand, homeowners insurance protects the entire structure of your home, but only against certain perils. For example, homeowners insurance will not cover repair or replacement costs for the natural wear and tear of your refrigerator, but it will replace the fridge if it is damaged in a fire. 

Do you need a home warranty in Pennsylvania?

In short—no. Pennsylvania homeowners are not required by law to have a home warranty. However, some folks find the coverage to be the extra layer of safety they need, while others may opt out and prefer to pay out-of-pocket repairs and replacements. To determine if a home warranty is right for you, weighing your options is your best bet
If you don’t have extra cash lying around or don’t have much in savings, a home warranty may be the right option for you. On the flip side, if you have a well-padded emergency fund set aside, forgoing a home warranty could save money.

How to choose a Pennsylvania home warranty

So you’ve decided a home warranty is right for you, but what next? A great way to find a plan is by comparison shopping. We suggest comparing at least three to five companies to know you’re choosing a customized plan for your specific home wants and needs. 
Check out the comparison table below to see the five best home warranties in Pennsylvania. And be sure to read the fine print before signing any contract.
CompanyMonthly paymentAnnual premiumService feeStates not coveredBBB ratingLimitsWhat it’s best for
Choice Home Warranty$40-$48$517-$660$85WashingtonB-$500-$3,000Best overall
American Home Shield$50-$60$300-891$75-$125AlaskaB$1,000-$6,000Most customizable, 50+ years experience
Select Home Warranty$36-38$630-$765$60-$75Nevada, New Mexico, Washington, WyomingB$500-$2,000Most affordable
Liberty Home Guard$40-$60$700-$960$65-$125Washington, WyomingA$500-$2,000Best customer service
Cinch$35-$62$420-$816$75-$150Alaska, HawaiiA-$1,000-$2,000Best workmanship guarantee and add on coverage
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The pros and cons of home warranties

A home warranty may not be beneficial for every homeowner, so weighing the pros and cons of investing in these service contracts is an excellent idea before signing any paperwork. 
From finances to personal preferences and more, these are the factors you should consider before buying a home warranty: 

Pro: A home warranty can take the guesswork out of hiring contractors

A home warranty company essentially acts as a middleman between you and contractors, meaning you won’t have to spend hours online sifting through reviews of contractors that meet your needs. 
For example, if a home appliance of yours breaks down and you need an immediate repair, a warranty company will work with a contractor to resolve the issue. You won’t have to do any online comparison shopping.

Pro: No need for an emergency fund

A home warranty could provide an extra safety net for those who can’t afford to set aside money in an emergency fund when things go awry. With a home warranty in place, they will cover most costs associated with repairing or replacing your home’s systems or appliances. 
Just how much money would you need to have saved? The cost will vary depending on the type of system or appliance, but to give you an idea: the average cost to replace a home HVAC system costs between $5,000 and $10,000. If you don’t have a home warranty, you’ll have to pay that out-of-pocket. 

Con: You won’t deal directly with contractors

With a home warranty in place, your warranty company will deal directly with a contractor, leaving you out of the loop on most details. Some homeowners prefer this, while the lack of communication unsettles others. 
To avoid any chance of miscommunication or added expenses, you may want to opt-out of a home warranty. 

Con: Low coverage limits and high service fees

The average coverage limit for a home warranty ranges anywhere from $500 to $5,000. If the cost of a replacement or repair service surpasses the limit, you’ll have to cover the difference

Con: Warranty companies can deny coverage

Warranty companies are known for denying claims for owner negligence, which is a huge concern for homeowners everywhere. 
A good rule of thumb? Read the contract's fine print before signing—companies will often include information about how and why they deny coverage. 

How to find affordable homeowners insurance in Pennsylvania 

While a home warranty may benefit some, they’re not for everyone. But one thing all homeowners should have—regardless if you live in Philadelphia, Norristown, or Reading—is great home insurance coverage. That’s why Jerry is here to help! 
In just 45 seconds, Jerry will provide you with competitive quotes from 55+ of the nation’s top insurance companies. As a licensed insurance broker, Jerry can help you with swapping policies, sending you new quotes when your policy is up for renewal, and answering any questions you may have along the way. With Jerry, comparison shopping has never been easier!
Jerry was so easy to use. A representative texted me my lowest quote, and when I responded yes, Progressive emailed me 2 minutes later with next steps. Highly recommend if you don’t want to look for quotes alone!” —Sayad A.
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In Pennsylvania, the average home warranty costs between $480 and $1,300 a year, but this will vary depending on the type of house you own and the type of coverage.
Home warranties in Pennsylvania usually have a one-year contract, but some home warranty companies will negotiate a longer-term.
American Home Shield has been helping Pennsylvania homeowners find great coverage for over 50 years, making it a great choice for those living in the Keystone State. However, the best home warranty company will differ from state to state, and from homeowner to homeowner.

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