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!
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!
$50 Off Your Plan
Limited Offer: $50 Off + 1 month free
Free Roof Coverage
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
Customer Service Available 24/7
Least BBB Complaints
Great Reviews on Google Places
Reservice for Failed Parts
1 Free Month Upon Annual Sign-UpTotal Home Protection Review
Low fee for contract transfer
Different plan types available
Low chance of payment delays
Clients praised prompt response
Amazon 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.
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|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|Amazon Home Warranty||From $42 to $52||$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, water heaters, and more.
Systems plans also range from $40 to $50 per month. A systems plan will usually cover your plumbing system, heating system, air conditioning system, electrical system, and ductwork.
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, 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.
1. Choice Home Warranty
When it comes to overall coverage and value for your money, our top pick for your area is Choice Home Warranty. Choice is one of the major home warranty providers in the United States, and its coverage is perfect for homeowners in colder climates.
Choice Home Warranty (CHW) has two plans. Coverage starts at $36.17 for the Basic Plan and includes your heating system, water heater, cooktop, dishwasher, garage door opener, and many other home components.
If you want coverage for your refrigerator, washer and dryer, built-in microwave, and air conditioning system, the Total Plan includes those items for $43.85 per month.
- Your heating system is included in both plans.
- Reservice for contractor work is guaranteed for 90 days.
- The Basic Plan covers over 15 components.
- Homeowners experience delays in some areas.
- Older appliances may not be covered.
- Replacement limits on some items are low.
2. American Home Shield
For Madison property owners who want the ability to customize their warranty plan and those who are willing to pay more for high-quality coverage, American Home Shield is a great choice.
You can choose Appliances ($49.99 monthly), Systems ($49.99 monthly), Combo ($59.99 monthly), and Build-Your-Own ($54.99 monthly) Plans are all available. Plus, you can add coverage for your heating and air conditioning system, pool and spa, sprinkler system, well pump, and many other home components.
- You can customize your plan.
- AHS is an established company with a trustworthy network of service providers.
- AHS offers one of the best kitchen appliances packages.
- The plans are costly.
- Replacement costs are low on some items.
- AHS only guarantees contractor work for 30 days.
3. Total Home Protection
Total Home Protection is our fourth pick. However, if you have a septic system or well pump, you should consider Total because it offers excellent coverage.
Total offers customers two plans to choose between the Gold Plan ($45.33 per month) and the Platinum Plan ($52 per month). In Wisconsin, we suggest homeowners purchase the Platinum Plan, though.
The Gold Plan does not include coverage for your heating system. However, you can add HVAC system protection, as well as many other types of coverage to either plan.
- Total Home Protection offers the most comprehensive septic system protection available.
- Contractor work is guaranteed for 90 days.
- You have access to 24/7/365 customer service.
- You have to pay a cancellation fee if you cancel after the first 30 days.
- Some consumers report service delays.
- You must submit claims within 24 hours.
4. Amazon Home Warranty
A relative newcomer at 10 years old, Amazon is gaining a good reputation. This is in part because they have enlisted the services of two of the nation’s largest networks of technicians. This means you should experience quick response times from highly qualified contractors. Also, they have an extensive list of optional coverage including lawn sprinkler systems and water softeners.
On the other hand, they have had challenges with their online chat platform – not a good look on a company with Amazon in the name asking a growing tech hub like Madison for their business.
- A large network of technicians.
- 24/7 service calls.
- Online chat needs improvement.
- You may experience service delays during peak times.
- Smaller company than others.
5. Cinch Home Services
The last company on our list of the best home warranties in Madison is Cinch Home Services. However, if you are looking for an affordable entry-level plan, Cinch might be a good fit for you.
The coverage options include an appliance, systems, and combo plan, and they start at just $34.99 per month. Service fees are $100 per request, and you can add protection for items not included in your plan, as well.
- Coverage starts at under $35 per month.
- Service fees are $100 per call.
- Cinch Home Services has a positive rating with the BBB.
- Some customers report additional fees.
- There may be service call delays.
- Cinch may not cover your older appliances.
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 companiesin 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.