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Last Updated: February 25, 2025
Homeownership in Lancaster comes with lots of perks, but it also comes with its challenges. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
The home warranty market is filled with many providers — all with different plans — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Lancaster.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In Lancaster, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty business for about 15 years. The 2 home warranty plans that Choice offers include options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Lancaster homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Lancaster area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Lancaster, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty business for about 11 years. The 3 home warranty plans that Select offers include options for appliance and system coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Lancaster homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Lancaster area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Lancaster, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for about 26 years. The 3 home warranty plans that AHS offers include options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Lancaster homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Lancaster area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Lancaster, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty business for about 39 years. The 2 home warranty plans that First American offers include options for appliance and system coverage. If you’re looking for very affordable and comprehensive appliance coverage, this is the plan for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty offers 2 plans for Lancaster homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Lancaster area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our review of First American Home Warranty to learn more.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Lancaster, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for about 44 years. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Lancaster homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Lancaster area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Lancaster, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty business for about 15 years. The 2 home warranty plans that HSC offers include options for appliance and system coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the plan for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Lancaster homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Lancaster area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,764 |
| Heating | $4,509 |
| Electrical | $676 |
| Toilets | $564 |
| Washer/Dryer | $902 |
| Plumbing | $676 |
| Oven | $1,804 |
| Fridge | $676 |
A home warranty is a protection policy that helps cut costs for Lancaster homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that stop working due to normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances are refrigerators, dishwashers, dryers, garbage disposals, washers, microwaves, and more. Covered systems include air conditioning, plumbing, heating, and electrical. Various home warranty plans offer extra coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Lancaster homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for plumbing, AC, electrical, heating, and appliances. More comprehensive plans also cover other items such as roof leaks, spas, pools, and well pumps. Focus on companies with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with more affordable fees to maximize savings on every claim. Some companies also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Read through review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about companies. Good feedback and ratings suggest a company known for providing quality service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Reach out to potential companies to learn the number of repair technicians they have in Lancaster and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks improve the probability of getting qualified contractors to promptly service your home.
Some home warranty providers include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These can provide extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Temperatures in Lancaster can get quite high in the summer, which means your air conditioner is likely to get a good bit of use. As a homeowner in Lancaster, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours finding and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Plus, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you’ve been benefiting from.
One drawback of getting a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it’s important to read through the contracts you’re considering thoroughly to understand what is included and what isn’t.
Another thing to take into consideration is that some companies don’t cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty in Lancaster can cost between $30 and $60 a month. The higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire home in case of something such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Lancaster.
A home warranty can help home sellers, real estate agents, homebuyers, investors, and homeowners. It can offer peace of mind to anyone involved with homeownership.
The different home warranties in Lancaster include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your home systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items listed in the plan.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the home seller may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Lancaster is $446,340, a home warranty can be an added asset when buying a home.
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