Home Warranty

7 best home warranty companies in Upper Merion, Pennsylvania

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Upper Merion. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Upper Merion, PA

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Home warranties provide a financial buffer to fix or replace appliances that suddenly fail. For a monthly fee, these policies cover items like AC units and refrigerators when they malfunction due to regular wear and tear.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today fail after about 20 years.

If your Upper Merion home contains aging dishwashers, furnaces or the like, you'll likely encounter a surprise breakdown. These top home warranty firms offer robust coverage at fair prices.

Homeowners insurance doesn't cover appliance breakdowns due to normal wear and tear, so having a home warranty can provide you an additional buffer against the unforeseen. We've done the research to determine what home warranty companies have the best major appliance and system coverage.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

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3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Upper Merion

Here's our list of the best home warranty companies in Upper Merion:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee if your covered item can’t be fixed or replaced.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers plans with a 60-day workmanship guarantee on completed repairs. Compared to other providers in this piece, it also provides the largest number of coverage add-ons – 38 in total.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American Home Warranty has comprehensive coverage caps for appliances in each plan. Additionally, First American includes its First American Advantage upgrade in its Essential and Premium plans. This upgrade provides coverage for miscellaneous items, such as appliance knobs and dials.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Upper Merion

The cost of a home warranty is around the same as the national average, and it largely depends on how often you want to make payments. The national average is around $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties cover various major systems and appliances, but they're not a substitute for homeowners insurance. Below, we'll summarize what coverage a warranty typically includes and excludes.

What are the typical items covered under a home warranty?

Clothes dryers
Refrigerators
Cooktops
Built-in microwaves
Dishwashers
Washing machines

The first category of items a home warranty protects is kitchen appliances and household items. This covers the following: Major systems form the second category of covered items. The specific definition of what a "major system" is will differ between different plans. However, most consist of the following:

Plumbing
Electrical
Central vacuum
HVAC
Water heater

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties do not cover certain items or events. These are referred to as exclusions. Generally, home warranties won't cover item breakdowns caused by damage outside normal wear and tear. For example, if your air conditioner malfunctions due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance. Home warranties also don't cover rust or corrosion damage, hazardous waste, acts of nature, cosmetic damage, improper system or appliance installation and preexisting conditions.

Questions to ask home warranty providers in Upper Merion

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

What items are covered by my policy?

Assess your coverage requirements before requesting a quote from a home warranty provider. Once youknow what items require coverage, confirm that the provider includes them in its plans. Some companies separate systems and appliance coverage into different plans, so ensure you select the accurate one. Also, many home warranty companies offer optional coverage, such as for swimming pools or sump pumps. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

A typical home warranty plan is valid for one year from the coverage effective date, which is 30 days after the initial sign-up date. The 30-day waiting period serves as a way to stop customers from filing claims for preexisting conditions. You may extend the 12-month policy term by purchasing a multiyear plan.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty companies will let you choose your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Upper Merion to obtain repair approval from the home warranty provider. You can verify a contractor's license by searching your local or county government database.

How does your claims approval process work?

Understanding how a company’s claims process works can be the difference between an approved claim and a denied one. Home warranty providers typically accept claims via their website or a round-the-clock support line. Typical response times are within one to two days of filing, though there may be processing delays if you file a claim outside normal business hours. After you file your claim, a staff member will review it and connect you with an in-network repair contractor. The contractor's team will book an appointment with you to inspect the issue and diagnose the problem. Once the company grants final approval, the contractor can begin the repair work.

Can I transfer my policy to the next owner of my home?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies manage the transfer for free, while others levy a transfer fee. Home warranty companies may also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers might opt for these plans to raise their home's appeal in a competitive market.

Home warranty contract fine print

Before you select a home warranty, carefully read its terms and conditions to ensure they're aligned with your needs. As you read through the sample contract, pay attention to these key details and clauses:

Workmanship guarantee: Most workmanship guarantees are valid for 30 days from a warranty repair, but some companies offer longer guarantee periods. If you have more issues with an appliance that an in-network technician just attempted to fix for you, the home warranty company won't assess an extra service call fee for a new claim.
Exclusions: Pay particular attention to the exclusions a company lists in its fine print. For example, most home warranty sample contracts outline component exclusions for each item under coverage.
Service call fee: Whenever you file a claim, the warranty company or repair provider will charge a service call fee between $75 and $125.
Cancellation: Companies generally specify how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company pays per claim. A warranty contract could also have other stipulations, like annual coverage limits.

Facts about Upper Merion

Average High in July

83°F

Upper Merion

83°F

National Average

Average Low in January

24°F

Upper Merion

17°F

National Average

Average Daily Sunlight

62%

Upper Merion

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Upper Merion, Pennsylvania

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