Last updated: May 2026 · Consumer education page · Editorial disclaimer
Philadelphia, Pennsylvania is home to roughly 1.6M residents and is shaped by older housing stock with mixed-era plumbing and heating systems. That climate — combined with the mix of older and newer housing in Philadelphia neighborhoods — is exactly what causes the kind of "covered breakdowns" a home warranty is designed for: HVAC failures, water-heater leaks, electrical issues, and major-appliance repairs.
Home warranty plans in Philadelphia typically cover repair and replacement of major systems and appliances when they break down from normal wear and tear. Coverage starts at $99 today with no inspection required.
Most Philadelphia homeowners compare two to three home warranty companies before deciding. Below is a neutral summary of how the major nationally-available providers position themselves — based on publicly available information. Customers should always confirm current pricing, coverage caps, and contractor availability for Philadelphia directly with each provider before purchasing.
| Company | Founded | Plan tiers | Typical service fee | Read more |
|---|---|---|---|---|
| Choice Home Warranty | 2008 | Basic Plan, Total Plan | $85 service fee | Reviews & complaints |
| American Home Shield | 1971 | ShieldSilver, ShieldPlatinum | $100–$125 service fee | Reviews & complaints |
| America's First Choice Home Club | 2009 | Silver, Diamond | $75–$125 service fee | Reviews & complaints |
| Select Home Warranty | 2012 | Bronze Care, Platinum Care | $60–$75 service fee | Reviews & complaints |
| First American Home Warranty | 1984 | Starter Plan, Premium Plan | $75–$100 service fee | Reviews & complaints |
| 2-10 Home Buyers Warranty | 1980 | Simply Kitchen, Pinnacle Home | $75–$100 service fee | Reviews & complaints |
| Cinch Home Services | 1979 | Appliances, Complete Home | $100–$150 service fee | Reviews & complaints |
| Liberty Home Guard | 2017 | Appliance Guard, Total Home Guard | $65–$125 service fee | Reviews & complaints |
Home warranty plans for Philadelphia homeowners start at $99 today with no inspection required. Plan price depends on tier, optional add-ons (pools, septic, roof), and the service-call fee chosen.
It depends on the age of your home and your major systems. Homeowners with HVAC, water-heater, or major-appliance equipment that is 7+ years old often see the most value, because that's when wear-and-tear failures become more likely.
Most Pennsylvania home warranty plans cover the repair or replacement of HVAC, plumbing, electrical, water heaters, and major kitchen and laundry appliances when they break down from normal wear and tear. Confirm exact inclusions in your sample contract.
No. Philadelphia homeowners can start a home warranty in minutes online with no inspection required.
Looking for coverage in another part of Pennsylvania? See our Pennsylvania home warranty page with city-by-city information.
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