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Last Updated: February 25, 2025
Although homeownership in Lower Merion has a lot of advantages — such as the convenience of city life — there are also downsides. One major headache many homeowners have to deal with at some point is replacing or repairing their home appliances and systems. A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be difficult, since there are dozens of companies to decide between. That’s why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Lower Merion for you.
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 Lower Merion, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty industry for over 6 years. When you purchase a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easy to comprehend and offer both system and appliance coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000 at the maximum.
To read more, visit our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
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 Lower Merion, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for over 15 years. When you purchase a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000 at the maximum.
To read more, visit our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 Lower Merion, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for over 11 years. When you purchase a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to comprehend and offer both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000 at the maximum.
To read more, visit our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
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 Lower Merion, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for over 26 years. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500 at the maximum.
To read more, visit our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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 Lower Merion, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty industry for over 39 years. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 2 plans from First American are easy to comprehend and offer both system and appliance coverage.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500 at the maximum.
To read more, visit our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Lower Merion, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for over 44 years. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
To read more, visit our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 Lower Merion, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for over 15 years. When you purchase a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easy to comprehend and offer both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000 at the maximum.
To read more, visit our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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 | $7,044 |
| Heating | $4,696 |
| Electrical | $704 |
| Toilets | $587 |
| Washer/Dryer | $939 |
| Plumbing | $704 |
| Oven | $1,878 |
| Fridge | $704 |
A home warranty is a protection policy that helps cut costs for Lower Merion homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that break due to normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as dishwashers, dryers, microwaves, washers, refrigerators, garbage disposals, and others. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty providers also offer additional coverage for roof leaks, locksmiths, central vacuums, and septic systems. Most home warranty plans require Lower Merion homeowners to wait 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are multiple home warranty terms to learn before signing an agreement, including:
There are several important considerations when choosing a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic plans typically cover plumbing, AC, electrical, heating, and appliances, while more comprehensive options may also cover spas, pools, roof leaks, and well pumps. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize protection for your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per service call made. The costs from multiple fees can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation gives insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Check review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and feedback indicate a provider known for great service.
Home warranty companies maintain networks of local technicians to handle repairs in your area. Contact potential providers to ask how many repair contractors they have in Lower Merion and get an idea for how fast your repairs could take place in an emergency situation. More extensive networks improve the chances of getting qualified contractors to promptly service your home.
Some home warranty providers include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can offer extra value beyond just repair coverage. Extra bonuses allow you to enhance your home and get the most from your warranty policy.
Temperatures in Lower Merion can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Lower Merion, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
On top of saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may have. A home warranty can also yield value in other ways. For instance, some plans can be transferred to another owner during a home sale.
There are also some downsides to buying a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another thing to keep 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 need more information or if this is an issue for you.
A home warranty costs, on average, around $300 to $600 a year in Lower Merion. Our top-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 opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of something such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim if you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Lower Merion.
First-time homebuyers, real estate agents, homeowners, home sellers, and landlords are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different home warranties in Lower Merion include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your systems and appliances, such as your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Usually the homeowner pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Lower Merion is $573,768, a home warranty can be an added asset when buying a home.
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