Written By David Cusick
Last Updated April 2024
Lancaster offers homeowners some great living options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty can offer you the peace of mind you need and protect your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the right protection for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Lancaster. Keep reading for our recommendations.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Lancaster, Liberty Home Guard offers the most trustworthy home warranty. Liberty offers 3 plans for homeowners to choose from. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our thorough review of Liberty Home Guard to learn more.
Appliance Guard
Systems Guard
Total Home Guard
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 offers 2 plans for homeowners to choose from. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our thorough 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 offers 3 plans for homeowners to choose from. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our thorough 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 offers 3 plans for homeowners to choose from. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our thorough 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 offers 2 plans for homeowners to choose from. First American offers very affordable and comprehensive appliance coverage. Plus, it also 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our thorough 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 offers 3 plans for homeowners to choose from. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our thorough 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 offers 2 plans for homeowners to choose from. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our thorough 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 | $6,049 |
Heating | $4,033 |
Electrical | $605 |
Toilets | $504 |
Washer/Dryer | $807 |
Plumbing | $605 |
Oven | $1,613 |
Fridge | $605 |
A home warranty is a protection policy that helps Lancaster homeowners cut the costs of appliance and system repairs. The plans provide coverage to fix or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty policy gives homeowners a sense of security because it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties help protect both your home systems and appliances. Common appliances covered under a home warranty include microwaves, dryers, washers, dishwashers, garbage disposals, refrigerators, and others. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranties offer additional add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. Lancaster homeowners should know that most home warranty policies have a 30-day period you must wait 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 things like natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement is covered by your policy.
Here are some key home warranty words to know before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans cover plumbing, electrical, heating, AC, and appliances. More comprehensive options may also provide protection for other things such as well pumps, spas, pools, and roof leaks. Look for companies with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's rating gives insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty companies keep networks of local contractors to handle repairs in your area. Contact potential providers to ask how many repair contractors they have in Lancaster and get an idea for how quickly your repairs might happen in an emergency situation. Bigger networks improve the chances of getting qualified contractors to promptly service your home.
Certain home warranty companies offer extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These provide extra value beyond repair coverage. Extra perks can enhance your home and help maximize your home warranty.
Since temperatures in Lancaster can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Additionally, having a home warranty can save you some time by eliminating the need to research technicians — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. Additionally, having a home warranty can make your house more appealing to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been benefiting from.
Home warranties also have some cons. While it can be convenient that the home warranty sends out a repair person who takes care of the repair for you, some homeowners may not like this, and they would rather choose a contractor themselves. If that’s important to you, some home warranty plans allow you to select a contractor.
Another thing to bear in mind is that some providers don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty policy costs, on average, around $300 to $600 a year in Lancaster. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in a situation such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Lancaster.
A home warranty can help investors, real estate agents, homebuyers, home sellers, and homeowners. It can offer peace of mind to anyone involved in homeownership.
A home warranty plan will cover your systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty lasts for a year and can be renewed annually. Some companies may offer month-to-month options.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees. In Lancaster, where the median home value is $330,064, having the seller pay for the home warranty can be a good asset for your new home.