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6 Best Home Warranty Companies in Rhode Island of 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
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- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
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- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
As a homeowner in Rhode Island, it’s important to have a plan in place to protect yourself against costly home repairs and replacements. This is where home warranty companies come in.
A home warranty company provides coverage for your home appliances and systems in case of breakdowns and other issues. With so many home warranty companies in Rhode Island, it can be difficult to choose the best one. To help, we have researched and compared the top 6 home warranty companies in Rhode Island to help you find the best option for your needs.
Our Top Picks for Best Home Warranty Companies in Rhode Island
- Best overall: Liberty Home Guard
- Best for unlimited coverage for systems repairs: American Home Shield
- Best low-cost combo plan: Select Home Warranty
- Best for no-inspection coverage: Choice Home Warranty
- Best for long workmanship guarantee: Cinch Home Services
- Best for unusual coverage options: The Home Service Club
Table of Contents
- Home Warranty Companies in Rhode Island Reviews
- Home Warranty Companies in Rhode Island Guide
- Home Warranty Companies FAQs
- How We Chose the Best Home Warranty Companies in Rhode Island
Home Warranty Companies in Rhode Island Reviews
Best Overall: Liberty Home Guard
- Customize your plan with a very wide range of add-on coverages
- Offers systems-only, appliances-only and combination plans
- Some customers have reported slow response times for service requests
- More than 500 complaints made to the Better Business Bureau
Liberty Home Guard offers a choice of three home warranty plans with self-explanatory names: Appliance Guard, Systems Guard and Total Home Guard. It may sound funny, but with so many companies giving their plans meaningless names —precious metals are favored by most— we appreciate Liberty Home Guard’s efforts to keep things simple and transparent.
The company’s Appliance Guard Plan costs $49.99 per month and includes coverage for nine common kitchen and laundry room appliances. Garbage disposals, ceiling and exhaust fans, and garage door openers are among the items covered by the plan.
Liberty Home Guard’s Systems Guard plan is available for $54.99 per month. It covers heating, air conditioning, plumbing, electrical systems and hot water heaters. Ductwork is included in the company’s HVAC coverage.
Liberty Home Guard’s Total Home Guard plan costs $59.99 per month. It includes coverage for all items in their two lower-priced plans. All plans reflect a service call fee of $125, but the company does allow you to opt for a lower service call fee — as low as $65.
Liberty Home Guard stands out for its very wide range of optional coverages: we counted about thirty. They include some very popular add-ons —second refrigerators, well pumps and septic pumping — and a few obscure items, too. Notably, you can purchase coverage for pro-series appliances, which are often excluded under home warranties, and even some maintenance services, such as carpet cleaning and exterior power washing. You can also purchase coverage for your electronic devices.
Best for Unlimited Coverage for Systems Repairs: American Home Shield
- Over 50 years in business
- Unlimited coverage for covered system repairs
- Covers items with no maintenance records
- Covers breakdowns of appliances that haven't been properly maintained
- Free removal of items that need replacement
- More expensive than other plans
American Home Shield has been in business since 1971. In 1989, the company was acquired by Service Master, a 100-year-old company and one of the best-known and most experienced companies in the home service category. So when it comes to experience and street cred, American Home Shield lands at the top of our list.
The company also stands out for having fewer exclusions than other home warranty companies and for placing no limits on system coverage. Appliances that have been neglected are still eligible for breakdown coverage. With no limits on systems coverage, an American Home Shield warranty can save you thousands of dollars should your heating system need replacement, for example.
The ShieldSilver plan covers four major systems in your home: heating, cooling, electrical and plumbing. The ShieldGold plan adds in coverage for kitchen and laundry room appliances. The ShieldPlatinum plan includes everything covered in the two less expensive plans and adds in limited roof leak coverage, free HVAC tune-ups and unlimited refilling of A/C refrigerant. It also includes coverage for repairs made necessary by code violations, which are normally excluded by home warranty plans.
Best Low-Cost Combo Plan: Select Home Warranty
- Offers individual plans for systems or appliances
- Low-cost combo plan
- Discounts for multiple-year plans
- Limited roof leak coverage available
- Fewer add-on coverage options than competitive plans
- Low coverage limits for appliances, electrical systems, and plumbing systems ($500)
- More exclusions than other plans
Select Home Warranty offers homeowners a choice of three plans. You can select an appliance plan, a systems plan, or a plan that includes both. Its appliances-only Bronze Care plan includes coverage for washers and dryers, refrigerators, stoves, built-in microwaves and garbage disposals. Its systems-only Gold Care plan covers HVAC, electrical and plumbing systems, as well as water heaters and ductwork.
Its Platinum Care plan is among the least expensive combo plans we’ve come across during our review process and includes limited roof leak coverage. But Select Home Warranty’s low costs may be offset by its low coverage limits on certain systems and appliances. For example, its coverage limit on appliances is $500. Especially in today’s inflationary times, you’d be hard-pressed to find a decent refrigerator for under $1,000.
Best for No-Inspection Coverage: Choice Home Warranty
- First month free when you select an annual plan
- Two combination systems-and-appliances plans to choose from
- Publishes an informative homeowner's blog
- Refrigerators not covered in its lowest-cost plan
- Only covers properly maintained systems and appliances
- No sample contract provided on website
Choice Home Warranty offers two customizable plans that can be tailored to fit the specific needs of a wide range of properties. Choice Home Warranty’s plans are a good value, providing broad coverage at moderate prices.
Choice Home Warranty is one of several companies that do not require a home inspection before a policy is issued. However, it’s important to note that the company reserves the right to deny coverage for any known or unknown pre-existing condition. This is an important consideration for homeowners who don’t quite know what they’re getting into when they buy an existing home.
Best for Long Workmanship Guarantee: Cinch Home Services
- Exceptional 180-day workmanship guarantee
- Three competitively priced plans to choose from
- Choice of service fees
- Service fees are on the high side
Cinch Home Services presents homeowners with three options – a plan covering only systems, a plan covering only appliances, and a combination plan with pricing that’s very competitive.
The feature that stands out of Cinch’s home warranty is its exceptionally long workmanship guarantee: 180 days. Many home warranty companies only provide a 30-day guarantee, which may result in a customer paying multiple service fees for the same repair. That being said, we note that Cinch’s service fees are rather high, starting at $100. But clients have the flexibility to adjust their deductible.
The company provides limited options for additional coverage, such as pools, spas, septic tanks, well pumps and code violation repairs, However, the company offers another unique feature: when a homeowner needs to make a claim through their homeowner’s insurance policy, Cinch offers to reimburse up to $500 of the insurance deductible for related home system damage.
Best for Unusual Coverage Options: The Home Service Club
- Moderately-priced combo coverage
- Washers and dryers included in both plans
- Coverage available for less common issues like gas leaks, smoke detectors and security system wiring
- Separate coverage not available for systems or appliances
- Some common systems excluded from basic coverage
The Home Service Club offers homeowners two combination coverage options. Whether the company’s plans will be worthwhile for you depends, in part, on how your home is equipped. The breadth of coverage offered by the company’s less expensive plan is better for appliances than systems. For example, washers and dryers are included in the company’s Standard plan, but duct work is excluded — a potential problem for homes with forced hot air heating and central air conditioning.
Home Service Club’s Comprehensive protection plan fills in many of the gaps in the Standard plan and also provides coverage for some unusual items, including pest control services, gas and water leaks, and telephone and security system wiring.
Plans and covered items:
- Standard: Air conditioning, heating, and electrical systems, water heater, ceiling fans, central vacuum, dishwasher, food center, garage door opener, garbage disposal, trash compactor, washer and dryer, refrigerator, stove/cooktop, built-in microwave.
- Comprehensive: Everything included in the Standard plan, plus ductwork, plumbing stoppages, alarm wiring, gas leaks, hot water pump, pest control, pest control, smoke detectors, sump pump, hot water dispenser, whirlpool bath.
- Add-ons: Pool/spa equipment, additional refrigerator, jetted bathtubs, sewage ejector pump, refrigerator dual compressor, second freezer, water softener, well pump, additional dishwasher, additional water heater, additional range/oven/cooktop, additional microwave, plumbing sprinkler service line.
Home Warranty Companies in Rhode Island Guide
Main things to know before purchasing a home warranty in Rhode Island
Before purchasing a home warranty in Rhode Island, it is important to know the difference between home warranty vs home insurance. Homeowners insurance protects your home from unforeseen events such as natural disasters, theft, and fire. Home warranty plans, on the other hand, provide coverage for the repair or replacement of your home’s appliances and systems that break down due to normal wear and tear.
What does a home warranty company in Rhode Island cover?
A home warranty in Rhode Island typically covers a range of home systems and appliances, including heating and air conditioning, electrical and plumbing systems, water heaters, washers, dryers, and refrigerators. Some companies also offer add-on coverage options for items such as built-in microwaves, garbage disposals, and ice makers.
How much does a home warranty cost in Rhode Island?
The cost of a home warranty in Rhode Island can vary depending on the coverage options and the level of protection you choose. Basic plans typically start at around $300 per year, while more comprehensive plans can cost upwards of $600 or more. Service call fees, deductibles, and coverage limits will also impact the overall cost of your home warranty.
Who regulates home warranty companies in Rhode Island?
Home warranty companies in Rhode Island are regulated by the Rhode Island Division of Insurance. This agency is responsible for ensuring that home warranty providers comply with state laws and regulations and that they operate in a fair and ethical manner.
How to buy a home warranty in Rhode Island
If you have decided to buy a home warranty, the process is relatively simple. You can start by researching the top home warranty companies in Rhode Island, compare their plans and pricing, and choose the one that best fits your needs and budget. Once you have selected a home warranty provider, you can sign up online, over the phone, or through a local agent.
Before purchasing a home warranty, make sure to carefully read the terms and conditions of the contract, including what is covered and what is not covered. Ask about the deductible, the service call fee, the response time, and the repair or replacement policy. It’s also a good idea to check the company’s reputation and customer reviews to ensure you are making an informed decision.
Home Warranties in Rhode Island FAQs
How much is the service fee for a home warranty in Rhode Island?
How do I know if I can apply for a home warranty in Rhode Island?
Do I need a home inspection or maintenance to buy a home warranty in Rhode Island?
How long is the waiting period for a home warranty in Rhode Island?
How We Chose the Best Home Warranty Companies in Rhode Island
We evaluated the top home warranty companies in Rhode Island based on several factors, including the coverage options, pricing, customer reviews, reputation, and the overall customer experience. Our goal was to find companies that provide comprehensive coverage for a reasonable price and that have a good reputation for treating customers promptly and fairly when you have to file a home warranty claim.
We also considered the level of flexibility offered by each company, such as the ability to add or remove coverage options or to switch plans, as well as the availability of a free quote and the ease of making a service request.
