If you're lucky enough to call Madison home, you are likely aware of the challenges of homeownership. When an appliance or system breaks down unexpectedly, it can bring about quite the headache. Getting a good repair technician and having the repair completed within budget can be a difficult task.
There are a decent amount of home warranty policies for Madison homeowners. This is a lot of information for homeowners to digest and it can be a challenge to break down which of these home warranty policies would be best for your needs. At Review Home Warranties, we compared BBB ratings, customer service reviews, service fees, coverages, and more. Here is how each provider ranked.
| Company Name | Choice Home Warranty | American Home Shield | Cinch Home Services | |||
|---|---|---|---|---|---|---|
| Number of Plan Options | 2 | 3 | 3 | |||
| Monthly Plan Cost | $45.00 - $53.33 | $29.27 - $74.27 | $34.99 - $67.99 | |||
| Better Business Bureau Rating | B | B | B | |||
| Reviews | Reviews | Read Choice Home Warranty Reviews | Reviews | Read American Home Shield Reviews | Reviews | Read Cinch Home Services Reviews |
Choice Home Warranty is the best choice for homeowners who want the best overall in Madison. Choice has 2 simple plans, making the selection process quick and easy. The home warranty plans from Choice Home Warranty include Basic Plan and Total Plan.
Choice has coverage caps of around $3,000 for most systems and appliances, but some plans may have different coverage caps, so it's a good idea to verify with the company. Service fees are $85. With a home warranty from Choice, you can benefit from high coverage caps and a contract that's easy to understand.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Basic Plan | $45.00 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater. Basic Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Basic Plan Add On |
| Total Plan | $53.33 | $85.00 | View 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. Total Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Total Plan Add On |
For homeowners who want the most customizable in Madison, homeowners should consider choosing American Home Shield. The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage. American Home Shield's plans include ShieldSilver, ShieldGold, and ShieldPlatinum.
Service fees from AHS range from $70 to $125. The coverage caps are also around $2,500 for most systems and appliances. Additionally, AHS has a customizable plan and a low claim denial rate.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| ShieldSilver | $29.27 - $44.27 | $75.00 - $125.00 | View 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. ShieldSilver Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldSilver Add On |
| ShieldGold | $39.27 - $54.27 | $75.00 - $125.00 | View 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. ShieldGold Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldGold Add On |
| ShieldPlatinum | $59.27 - $74.27 | $75.00 - $125.00 | View 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. ShieldPlatinum Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldPlatinum Add On |
Cinch Home Services is a great choice for homeowners who want the best workmanship guarantee in Madison. The 3 plans from Cinch are easy to understand and have a mix of both system and appliance coverage. Cinch Home Services' plans include 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 appliances and systems, and service fees range from $75 to $150. Cinch has established itself as a company with a 180-day workmanship guarantee and a wide range of coverage options.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliances Plan | $34.99 - $50.99 | $75.00 - $150.00 | View Items Covered Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer. Appliances Plan Included Item | View Add-on Items Pool, Septic, Well pump. Appliances Plan Add On |
| Built-in Systems Plan | $39.99 - $57.99 | $75.00 - $150.00 | View 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. Built-in Systems Plan Included Item | View Add-on Items Pool, Septic, Well pump. Built-in Systems Plan Add On |
| Complete Home Plan | $49.99 - $67.99 | $75.00 - $150.00 | View 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. Complete Home Plan Included Item | View Add-on Items Pool, Septic, Well pump. Complete Home Plan Add On |
First Premier Home Warranty is a good choice for homeowners who want the best coverage in Madison. The 2 plans from FPHW are easy to comprehend and have a mix of both system and appliance coverage. Homeowners can choose between First Premier Home Warranty's Premier Plan and Platinum Plan and also add-on options.
The coverage limits from FPHW are around $1,500. The service fees are $75, which is pretty affordable. When you buy a plan from FPHW, you will get a quality customer service team and coverage for your appliances and home systems at affordable prices.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Premier Plan | $35.00 | $75.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door, Microwave, Oven, Plumbing system, Plumbing stoppages, Sump pump, Trash compactor, Water heater. Premier Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Premier Plan Add On |
| Platinum Plan | $43.00 | $75.00 | View Items Covered Air conditioning, Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door opener, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Sump pump, Trash compactor, Washer, Water heater. Platinum Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Platinum Plan Add On |
The Home Service Club is a great choice for homeowners who'd like the best quick service in Madison. HSC has 2 simple plans, making the selection process easy. The Standard Coverage Plan and Comprehensive Coverage Plan are the names of the company's plans, and it also offers add-on coverage.
The coverage caps associated with HSC's plans are around the $2,000 mark for many major appliances and systems, and service fees are $60, $75, or $95, depending on the plan you choose. Plus, HSC has quick coverage just 10 days after purchasing the policy and a 30-day labor guarantee and a 90-day parts guarantee.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Standard Coverage Plan | $50.40 | $60.00 - $95.00 | View 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. Standard Coverage Plan Included Item | View 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. Standard Coverage Plan Add On |
| Comprehensive Coverage Plan | $62.90 | $60.00 - $95.00 | View 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. Comprehensive Coverage Plan Included Item | View 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. Comprehensive Coverage Plan Add On |
A home warranty will cover your systems and appliances and the typical wear they can experience. The point of a home warranty is to help you with expenses related to repairing and replacing your systems and appliances such as your microwave or plumbing. If your home has a pool and spa, this is something to take into consideration as well.
The following are the systems that are commonly covered under a home warranty:
The appliances commonly covered are ones such as:
Madison homeowners that are interested in saving money should have a general idea of what home warranties cost on average. The costs associated with a home warranty policy will vary based on the size of the home and the coverages that you go for.
In general, service fees can cost from $60 to $150 and monthly cost from $30 to $80, depending on how much coverage you choose. Another thing that increases the cost is add-on coverage. Keep these numbers in mind as you browse the plan choices that are available to you.
A home warranty in Madison can give you quite a few benefits for homeowners. When an expensive plumbing repair could have cost $1500 to fix, your home warranty will likely only require you to pay the service fee. However, there are also some potential drawbacks you should keep in mind when searching for a home warranty. Let's give an overview of some benefits of having this home warranty in place first:
There are also a few cons of home warranties, like:
Even though home warranty policies have coverage caps, your home warranty can still save you a decent amount of money on appliance or system replacements. For instance, if the coverage cap is $1500 and the cost to replace your fridge is about $2000, you'll only have to pay $500 out of pocket, which is considerably less than the original price.
Our overall pick for the best home warranty company in Madison is Choice Home Warranty. However, the right company for you depends on what kind of coverage you need for your appliances and home systems.
A home warranty is a service contract that gives homeowners coverage for their household systems and appliances, including garbage disposals, washing machines, dishwashers, dryers, refrigerators, electrical systems, sump pumps, plumbing, water heaters, heating and cooling systems, among others.
A home warranty plan will cover the repair and replacement costs for your home systems and appliances. Home warranties will not cover the intentional damage or pre-existing conditions.
Many homeowners feel like a home warranty is worth it because it can help protect against unforeseen large expenses. When you have to fix an appliance or system in your home, you'd just have to pay the service fee, which can offer you some financial peace of mind.
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what we value in our review process:
Of the 50 different companies that we've reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.