Expert Advice On Improving Your Home

4 Best Home Warranty Companies in Fort Atkinson, WI

Written By David Cusick

Last Updated February 2024

Fort Atkinson offers homeowners some great housing options. However, unanticipated repair and replacement costs on your home’s appliances and systems can get quite expensive. A home warranty can bring you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major systems and appliances.

Finding the best protection for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Fort Atkinson. Keep reading for our top provider recommendations.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

The 4 Best Home Warranty Companies in Fort Atkinson

Choice Home Warranty

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 Fort Atkinson, Choice Home Warranty offers the best overall home warranty. Choice has over 15 years of industry experience and in that time has built a impressive network of service professionals in the country. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process quick and easy.

There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered appliance or system.

To read more, visit our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.

Basic Plan

Total Plan

Service fee: $85.00 Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00 Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

American Home Shield

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 Fort Atkinson, American Home Shield offers the most customizable home warranty. AHS has over 26 years of industry experience and in that time has built a impressive network of service professionals in the country. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process quick and easy.

There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered appliance or system.

To read more, visit our review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

Cinch Home Services

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 Fort Atkinson, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has over 44 years of industry experience and in that time has built a impressive network of service professionals in the country. 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 home warranty for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process quick and easy.

There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered appliance or system.

To read more, visit our review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump

The Home Service Club

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 Fort Atkinson, The Home Service Club offers the best home warranty with the quickest service. HSC has over 15 years of industry experience and in that time has built a impressive network of service professionals in the country. 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 home warranty 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. HSC has 2 simple plans, making the selection process quick and easy.

There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 for each covered appliance or system.

To read more, visit our review of The Home Service Club. To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00 Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Today's Homeowner Ranking Methodology

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:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Fort Atkinson

Home Appliance Repair Cost
Air Conditioner $5,932
Heating $3,955
Electrical $593
Toilets $494
Washer/Dryer $791
Plumbing $593
Oven $1,582
Fridge $593

How Does a Home Warranty Work?

A home warranty is a protection plan that helps Fort Atkinson homeowners reduce the expenses of appliance and system repairs. The plans provide coverage to repair or swap out appliances and systems that stop working 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 exceeds the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is especially helpful for those living in older houses or houses with systems near the end of their life span. However, people with newer homes and working appliances may not need a home warranty.

What Does a Home Warranty Cover?

Home warranties cover your home systems and appliances. Common appliances covered include microwaves, dishwashers, garbage disposals, refrigerators, washers, dryers, and more. Covered systems are normally heating, plumbing, electrical, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Fort Atkinson homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or improperly using a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.

Key Home Warranty Terms to Know

Home warranty contracts use several terms that you'll want to understand before signing, such as:

  • Coverage limits: How much money your warranty provider will pay for specific repairs or replacements. Check limits on repairs for things like air conditioning units, roof leaks, and appliances.
  • Deductible: How much you pay for a covered repair before your warranty covers the rest. Deductibles can be per-claim or yearly.
  • Endorsements: Optional add-ons that expand coverage for additional systems like septic, pools, well pumps, and more. Endorsements typically cost an additional fee.
  • Trade call fee: An additional fee that some companies charge for appliance-related claims.
  • Claim approval: The process a provider uses to validate that a requested repair or replacement is covered under your plan.
  • Contract rate: The rate that your home warranty provider has pre-negotiated with its contractors. Normally, this rate is lower than what you'd pay retail.
  • Service fee: The amount you pay our of pocket per claim for access to a contractor and repair coverage.
Keeping these terms and key factors in mind will help you understand costs and select a home warranty that's tailored to protect your home. Discuss specifics of coverage with potential providers during the quote process to avoid unexpected fees.

Key Factors in Choosing a Home Warranty Company

When selecting a home warranty provider, there are several important factors to consider:

Coverage Options

Home warranty coverage varies, although most plans provide coverage for electrical, heating, AC, plumbing, and appliances. More extensive plans may also cover other things such as spas, pools, roof leaks, and well pumps. Look for companies with varied coverage options, including upgraded plans. This allows you to customize your plan to your needs.

Service Fees

With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per service call made. These per-claim charges can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.

Reputation

A home warranty provider's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and reviews indicate that a provider is known for top-tier service.

Contractor Network

Home warranty providers have networks of technicians that they use to tackle covered repairs. More extensive networks increase the probability of getting skilled contractors to your home promptly. Contact possible providers to ask how many repair professionals they have in Fort Atkinson. This helps you understand how long repairs could take in an urgent situation.

Added Benefits

Certain home warranty providers offer perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These bonuses can provide extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.

Is a Home Warranty Worth it in Fort Atkinson?


Benefits of a Home Warranty

Temperatures in Fort Atkinson can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Fort Atkinson, 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.

Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting service technicians yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty to the new owners. It can make your house more attractive to potential homebuyers and may help your house sell faster.

Downsides of a Home Warranty

One main drawback of a home warranty is not everything may be covered. It’s important to research the different policies and opt for one that covers all the appliances, systems, and add-ons you need.

Another drawback is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if your house floods, the impacted systems and appliances probably won’t be covered by the home warranty.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

Frequently Asked Questions About Home Warranty in Fort Atkinson, WI

A home warranty in Fort Atkinson can cost between $30 and $60 a month. Higher-priced plans tend to have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.

Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which can sometimes be a concern in Fort Atkinson. It doesn't cover a normal appliance or system repairs.

Homebuyers, homeowners, home sellers, real estate agents, 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 kinds of home warranties in Fort Atkinson include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover almost all your home systems and appliances, including your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items mentioned in the plan.

Home warranty plans usually last a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.

Generally, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Fort Atkinson, where the median home value is $261,429, having the seller pay for the home warranty can be a good asset for your new home.

Other Fort Atkinson, WI Home Services