Are you shopping for the best home warranty for your Madison, WI, home?
If so, you are in luck. In this guide, you’ll learn:
- Do you need a home warranty for your Wisconsin home?
- What unique home warranty considerations do you have in Madison?
- How much will a comprehensive plan cost, and is it worth it?
- And much more!
If you’re not an expert at home warranties in Wisconsin, finding the best company for your home can be a challenge. We’ve reviewed nearly 70 providers, compared hundreds of coverage options, and analyzed local data to provide you with everything you need to know to purchase the perfect home protection plan for your Madison property. Continue reading!
Limited Time: New Customers Get $50 Off
Limited Offer: $50 Off + 1 month free
Limited Time: First 2 Months Free on all Plans!
Top Home Warranty Companies for Madison Homeowners
More Than 10 Years on the Market
Most Comprehensive Coverage Available
Free Reservice Period for Parts
Emergency Service Available
Cheapest and Best Basic Plan ($34/m)Choice Home Warranty Review
American Home Shield is one of the first companies that started providing home warranty services to homeowners and real estate agents. The company offers a variety of contracts, including customized plans.American Home Shield Review
First 2 Months Free on all Plans!
$500 Homeowner insurance deductible reimbursement
24/7 customer service
Industry-leading 180-day workmanship guarantee
18,000 reliable & fast local technicians
Low cancellation feeCinch Home Services Review
Customer Service Available 24/7
Least BBB Complaints
Great Reviews on Google Places
Reservice for Failed Parts
1 Free Month Upon Annual Sign-UpServicePlus Home Warranty Review
Low fee for contract transfer
Different plan types available
Low chance of payment delays
Clients praised prompt response
AHW Home Warranty Review
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
Top 3 Home Warranty Companies Madison (2021)
|Company Name||Choice Home Warranty||American Home Shield||Service Plus|
|Number of Plan Options||2 Plans||3 Plans||2 Plans|
|Monthly Plan Cost||$45 – $55||$35 – $65||$45 – $55|
|Reviews||Read Choice Home Warranty Reviews||Read American Home Shield Reviews|
Choice Home Warranty (Best Home Warranty Madison)
Choice Home Warranty is one of the best home warranty companies across the entire state of Wisconsin. One of the reasons why customer satisfaction is so high for Choice Home Warranty is that the plan choices are very affordable and easy to understand. Whether you are choosing a basic plan or the more comprehensive coverage, costs and coverage are very clearly laid out.
Choice Home Warranty is known for having fast and reliable service. They are very easy to work with, and you will find that your plan covers just enough to give you peace of mind. Homeownership can be a confusing and overwhelming process, Choice helps to simplify things a bit.
- Simple and straightforward plans and service contract
- Only a few exclusions in the Total Plan
- Deductible or service call fee is fairly priced
- There is no option for a custom plan where you choose the major appliances covered
- You cannot choose your own technician to do the work
American Home Shield (Editors Choice)
American Home Shield is a premium home warranty service provider. With American Home Shield, you have the ability to customize your coverage plan to work for your home. If you find that the Platinum Plan or the Gold Plan does not work for your needs, simply build your own.
In addition to the ability to build your plan, AHS also allows for customization of the service fee. Suppose you want to pay a bit more per month and less for service requests, you can do so with American Home Shield. Whether you are worried about covering all home appliances or home systems, American Home Shield has a plan that will work for you.
- Known for quality workmanship and customer service
- Top home warranty companies for low claim denial rates
- Will protect everything from HVAC to Sump Pump to Microwave
- The pricing is high for the more customized plan
- Subject to a 30 day waiting period, no pre-existing conditions are accepted
- Some optional coverages for appliances will significantly increase the price of the plan
Service Plus (Most Affordable)
Service Plus is the most affordable Madison home warranty plan. When looking into the Service Plus Home plan, you will find that this company was only founded in 2016. This is a short period of time to be in the industry, however, during this time, they have impressively grown and expanded throughout the country.
The Service Plus plan is known for having very modern and high-quality customer service systems in place. You can report a breakdown 24/7 and get the process of a repair started right away. The Service Plus home warranty covers both appliances and systems with plenty of add-on options for all homeowners.
- New and expanding company with lots of coverage options
- Free reservice on failed repairs
- Emergency service available
- Must submit a claim quickly, or it can be denied
- Contractor availability can be limited because of the age of the company
- Good BBB reviews however, no accreditation is in place
Compare Home Warranty in Madison
What's In This Guide?
Madison, WI is home to homeowners that enjoy lakefront beaches, a lively college-campus and exciting weekend activities like visiting the Dane County Farmers market.
Living in such a vibrant metroplex has so many benefits, including access to networks of localized and qualified service technicians when you are a member of a home warranty company. Homeowners in greater Madison– Cottage Grove, Cross Plains, Maple Bluff and Middleton– all agree that the right home warranty plan has saved them both time and energy on home repair and replacements. Wondering how you could save, too? Continue reading to learn more about the top 5 companies.
Please note: as rule of thumb all companies that service Wisconsin residents should be able to serve you if you live in the Madison metro.
Top 5 Best Home Warranty Companies In Madison
|Madison Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Service Plus||From $45.33 to $52||$75 flat rate|
|Liberty Home Guard||From $49 to $79||$75 flat rate|
|Cinch Home Services||From $34.99 to $49.99||From $100-$150|
Who Needs A Home Warranty in Madison, WI?
The truth is, everyone benefits from a home warranty, but your protection needs may differ depending on your role in the real estate process.
Homeowners and Homebuyers
Homeowners are better able to manage significant appliance repairs and system replacement with a Wisconsin home warranty. In exchange for your yearly or monthly payment, the provider fixes or replaces covered items that need service.
In Madison, more than half of the population is under 30, including the students at the University of Wisconsin. With so many young people living in this metropolis, it’s likely that you’re a first time home buyer. If so, it is even more crucial that you purchase a home service contract. Taxes, lawn maintenance, mortgage payments, homeowners insurance, and utilities all fall on your shoulders.
After taking care of everything else, do you have enough left over to pay a service contractor if you need a significant system upgrade? If not, you have to purchase a plan.
Best 5 Madison Home Warranty Plans
Homesellers and Real Estate Agents
When you list your home, you are responsible for repairs and maintenance of the property until the new owner takes possession. When something goes awry, it is your responsibility to restore the property or reduce the price so the new owner can.
Sellers purchase a protection package to ensure they are not on the line for costly repairs while their property is in escrow and to appeal to buyers. Home warranties from reputable companies are transferable for free or a nominal fee.
Renters and Landlords
Do you think property owners are the only ones who need a home service plan? Think again!
Renters, especially those who rent from individual owners, need protection. You have no way of knowing whether or not a landlord will make vital repairs.
Negotiating a home warranty into your lease can be a win-win for you and the landlord. Neither you nor the property owner has to fear a broken heating system or plumbing stoppage.
What Should You Think About When Purchasing Home Protection in Madison?
As a Madison resident, there are some specific factors you need to consider when purchasing a home service plan. Taking climate, terrain, location, and real estate trends into account can help you pick the most beneficial policy.
Madison enjoys short summers and long winters with temperatures as low as 8 degrees, in January the coldest month. Temperatures are rarely above 80 degrees, so you probably do not need an air conditioning system, but your home’s heater and water heater are essential.
Madison, WI, is a midwest city located in central Dane county. It is approximately 122 miles from Chicago, IL, and 77 miles from Milwaukee. The city is mad an isthmus and pieces of land which are surrounded by four lakes.
Real Estate Data
Madison is the fastest growing city in the state. So, it is a seller’s market, which means buyers need a home warranty. When you are competing with other buyers, you are more likely to overlook recommendations on the home inspection.
Are you planning to move to Madison? Take a look at this video for a bird’s eye view of the city.
How Much Do The Madison Warranty Plans Cost?
The total amount you will spend on home warranty coverage depends on the type of plan you buy. However, you can expect to pay between $450 and $650 per year on a comprehensive plan.
Appliance packages usually cost between $40 and $50 per month, and they help with repair or replacement costs for dishwashers, refrigerators, garbage disposals, garage door openers, clothes washers, dryers, furnaces, water heaters, and more.
A combo plan will cover some or all of your home’s systems and appliances and cost you between $30 and $60 monthly.
Add-on coverage is also available from most home warranty companies to cover items not included in your plan. Some of the things you might want to purchase coverage for include sprinkler systems, pools, spas, central vacuums, trash compactors, roofs, or septic systems.
These coverage options range from a few dollars to $100 per month, depending on the item.
Is Coverage Worth It In Madison?
A major system replacement could cost you ten times or more what your home warranty costs each year. You will not have a significant home service bill yearly, but most homeowners do experience an outage once every few years.
Just ask someone whose home warranty company replaced a broken heating system during a winter storm if they think their plan is worth it. Or, ask a retiree, on a fixed-income if their plan does not give them peace of mind.
Most long-term home warranty customers swear by their coverage, and they always purchase a plan when they close on a new home.
What Are The Home Warranty Regulations In Wisconsin?
In Wisconsin, home warranty providers have to apply for a Limited Certificate of Insurance Authority. Once approved, they are legally responsible for following the contract agreed upon by the provider and customer.
If the company fails to fulfill its obligations, it is responsible for making the consumer whole again. That is great for homeowners in Madison. It means home warranty companies can’t just set up shop and start selling coverage.
However, it does not mean that you do not need to do your due diligence when selecting a provider.
Best Home Warranty in Madison, WI ?
Choice Home Warranty is our top pick for Madison. Why? Choice covers homes up to 5,000 ft, free contract transfers, reasonable annual premiums and they won’t deny you coverage if you own an older property.
Home Warranty Reviews Of The Top Companies For Madison Homeowners
Now, take a look at our top choices for home warranty companies in Madison, WI. It includes available plans, special features, and the pros and cons of each provider.
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor’s Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
- Must report your issues within one day of noticing a problem
Service Plus Review
Why Do We Like Service Plus?
Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
Final Thoughts On Home Warranties In Madison, WI Location
Keeping yourself and your family safe during the freezing Wisconsin winters is essential. Covering your Madison home with a policy from one of the best home warranty companies in your area will give you peace of mind.
You never have to worry about having enough money to make an essential repair or spend your valuable time researching to find a contractor that is trustworthy or footing the entire bill when you need a total system replacement.
So, get a quote from some of the providers on our list. You have nothing to lose, and it will give you a chance to compare coverage options, so you know what is available and how much the plan you want costs.