Top Best Home Warranty Companies In Rhode Island Review

Are you looking for the best home warranty in Rhode Island? If so, you are in the right place!

 In this guide will learn answers to questions like:

  • Who needs a home warranty in Rhode Island? 
  • What plans are available for you in RI? 
  • What do you need to think about when shopping for a Rhode Island home service contract? 
  • And much more!

We created this guide specifically for Rhode Island homeowners after reviewing nearly 70 home warranty companies, including the plans, limits and costs. Want to know more about how your home and wallet can be protected? Read about our top 5 companies below.

Editor's Choice

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Best Overall

Limited Offer: $50 Off + 1 month free
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Most Affordable

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Home Warranty Companies in Rhode Island

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.5
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Disclosure: 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.

Rhode Island Home Warranty

Even though Rhode Island is the smallest U.S. state, a home warranty plan can create big savings. This guide will provide you with the most essential information to help you with your home protection search and our list of the top home warranty companies in Rhode Island is catered to your needs as a RI homeowner. Continue reading to find out everything you need to know to pick the perfect plan.

Who Benefits From A Home Warranty in Rhode Island

The truth is, all property owners in Rhode Island benefit from owning a home protection policy, but there are some situations when purchasing a plan is even more critical. 


When it comes to home warranty protection, homeowners and homebuyers have the most obvious benefits. It does not matter if you are a first-time or long-time homeowner; a significant system replacement can cost you thousands and catch you off guard. 

Unless a natural disaster or accident causes damage, your homeowners insurance will not cover broken home components. So, many homeowners and buyers choose to cover their property with a home warranty so they have peace of mind that they can repair the broken item quickly. 

Read Also: What Are The Top Companies For First-Time Homeowners?

Homesellers/Real Estate Agents

Considering selling your Providence townhome? Or your Newport waterfront condominium? Well, making sure your property is covered by a home warranty might make or break your real estate deal. 

Some people may be under the false assumption that home warranties only benefit homeowners. After all, why would you invest in a home protection plan for a home you are selling? 

When your home is on the market, that is the worst possible time for a major appliance to break. Many buyers look at that as a sign that there is another home for them.

Other buyers might be wary of buying your home if the home inspection shows that a major system needs repairs or is likely to need a replacement shortly. With a home warranty plan, you do not have to worry about that. 

Plus, your seller's warranty is transferable to the new owner which gives them an extra incentive to purchase your property. Choice Home Warranty even offers a free transfer for contract to new homeowners. Realtors also benefit when a home sells faster or for a higher price.

Read Also: Which Home Warranty Plans Are Recommended For Sellers?


As you know, Rhode Island is known for their seaside towns, scenic shores along the Atlantic Ocean, making it a popular destination for seasonal renters. 

Renters have the least apparent benefits from home protection. However, if you have ever lived in a rental property with a broken heater or air conditioner that the landlord would not fix, it is easy to see why someone might choose to rent a property covered by a home warranty. 

As a landlord, your home protection plan can eliminate a lot of stress. You do not have to worry about moving money around to pay for the repairs out of pocket or search for a qualified service provider on short notice. 

Read Also: How Can My RI Rental Property Be Covered By A Home Warranty?


What Should You Think About When Purchasing A Home Warranty in Rhode Island?

Each state has a different climate, terrain, and geographical features that homeowners have to consider. Rhode Island is no different. So, here are a few things to think about before you select a plan. 


Residents in Rhode Island enjoy four seasons. It is one of the rare areas in the country that truly has all four seasons. Summers are snowy and cold, and temperatures are in the mid-80s during the summer. 

So, you need a heater during the winter, but you do not necessarily need central air conditioning. Your water heater is also a necessity due to the climate in Rhode Island. 

Read Also: Can I Have Coverage For My Water Heater?


Rhode Island is the smallest U.S. state. It only takes about an hour to drive from one side to the other diagonally. However, the state has 400 miles of shoreline, giving it the nickname of The Ocean State. 

That means saltwater is a huge issue for homeowners. Salt from the ocean and sand can cause significant problems with outdoor components. 

Read Also: What Are The Recommended Home Warranty Companies For Water Damage?

Do you live by the coast and want to make sure your HVAC system is properly protected? Check out this video below on proper care of your HVAC unit at the beach. 


What Will A Home Warranty Cost A Resident Of Rhode Island?

A comprehensive combo plan that covers a dozen or more components will cost you around $500 a year. However, you can find coverage for as low as $350 annually. It depends on the level of protection you desire. 

A complete home protection package will cost you about $650 per year. Covering individual items like pools, second refrigerators, deep freezers, septic systems, well pumps, and HVAC systems typically cost between $25 and $150 yearly. 

Read Also: Which Home Warranty Plan is the Cheapest?


What Types Of Plans Are Available For You In Rhode Island?

When it comes to the best home warranties in Rhode Island, you can choose between three main plan types, appliance, systems, and combo plans. Companies either sell appliance, home systems, and combo plans, or tiered combo plans. 

That is important to note because if you strictly want to cover your electrical, heating, and plumbing systems, you will need to choose a company that offers systems plans. Most providers also give you the option of adding items that are not in your protection plan. 

Rhode Island Family Happy With Home Warranty Plan

Entry-level or basic combo plans usually cover dishwashers, disposals, garage door openers, plumbing stoppages, water heater, electrical systems, ductwork, cooktop, plumbing systems, and other items. Complete home protection plans cover additional devices like your built-in microwave, clothes washer and dryer, refrigerator with ice maker, trash compactor, central vacuum, HVAC system, and heating system. 

Appliance and systems plans cover either-or, so they are not the best plans for homeowners who want a comprehensive plan. However, they are useful if you have new appliances and older home systems or if your home systems are still under warranty, but you have older devices. 

Read Also: What Types Of Appliance Coverage Plans Are Available?


What Are The Home Warranty Regulations In Rhode Island?

Rhode Island does not explicitly regulate home warranties. There are some things you should note about laws in the state, though. Contractors must register to provide home services, and some repairs may require building permits. 

The state provides a guide to help homeowners select contractors wisely. With home warranty coverage, you have access to an extensive network of pre-vetted service professionals.

If you find your own contractor, you run the risk of hiring someone who does not have the proper licenses, which will cause issues if they need permits to complete your job. 

Rhode Island Home Warranty Facts

Home Warranty Reviews

Due to home warranties being largely unregulated in Rhode Island, it is essential to read consumer reviews from other residents in your state. Sites like the Better Business Bureau (BBB) are a great resource. 

You should make sure you read reviews with an open mind, though. Most people wire reviews when they have an issue, so happy customers are often underrepresented. You should also read the company responses and resolutions. 

Do All Home Warranties Cover Pre-Existing Conditions?


Top Home Warranties For Rhode Island Reviewed

Now that you know what to look for in a home protection plan, you probably want to know the top home warranty companies in Rhode Island. The truth is, there are several great companies offering home protection in your area. 

To learn more about the 5 best home warranty providers near you, take at our list below. 

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice 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)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

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)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

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

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

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

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Why Do We Like Service Plus?

Service Plus 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 Rhode Island

Now that you know what to look for when shopping for coverage, what devices you need to include in your plan, and things to consider before buying your policy, you are ready to request a few quotes. We are confident that you will find a program that gives you peace of mind and saves you time and money. 

If you're looking for another guide to buying a home warranty in a nearby state, we can help. On our USA page, you can find reviews on other New England states like Maine, Delaware, Vermont, New Hampshire and Connecticut.

Read Also: What Are The Top Home Warranty Companies For Seniors Living in RI?


Nearby States

All states
Home warranty New Hampshire 29 companies available
New Hampshire Home Warranty
Home warranty Massachusetts 30 companies available
Massachusetts Home Warranty
Home warranty Connecticut 32 companies available
Connecticut Home Warranty

Frequently Asked Questions in Rhode Island

Below are just some of the frequently asked questions we receive about home warranties in Rhode Island.


Is a Rhode Island home warranty worth it?

To protect your budget from surprise home repair bills, a home warranty is worth it. Instead of paying out of pocket to repair, say, a broken dishwasher one month, then a malfunctioning air conditioner the next, you could pay one monthly premium to protect those items and many more. 

What are the best home warranty companies in Rhode Island?

We’ve done the research on almost 70 companies all around the United States. Here are the top five picks for Rhode Island homeowners.

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus

What do home warranties cover?

Home warranties are meant to cover breakdowns of common home appliances and systems due to everyday wear and tear. So, when your homeowner’s policy doesn’t cover something, you have another line of defense for your bank account. Here are some basics you should know about home warranty coverage.

Commonly covered appliances include:

  • Refrigerator
  • Oven/stove/range
  • Built-in Microwave
  • Clothes Washer
  • Clothes Dryer
  • Dishwasher

Commonly covered systems include:

  • Electrical System
  • Plumbing System, including stoppages
  • HVAC System, including ductwork
  • Water Heater

Many companies also cover items you might not think of - like doorbells, garbage disposals, garage door openers, even ceiling and exhaust fans. 

How much does a home warranty cost?

The main cost of a home warranty is the monthly premium. While you can save a few dollars by choosing an Appliance Plan or Systems Plan, most people opt for the Combo Plan which covers all the main systems and appliances. Here is the average cost of a Combo Plan among the top five Rhode Island providers.

Combo Plan
Top 5 Average

The other cost associated with a home warranty is the service call fee. This fee is charged when you contact the home warranty company and they send out a technician. The fee can range from around $75 to $125. Usually, the higher the service call fee, the lower the monthly premium.

How do I choose a good home warranty?

Here are the three steps we suggest in finding the right home warranty for your Rhode Island home. 

  1. Dig into the data - Find out what companies in your area offer and what their reputation is for things like customer service and rate of claim acceptance/rejection.
  2. Shop around - Get quotes from several companies for the specific kinds of coverage you are looking for.
  3. Read the contract - Take a close look at the service agreement. What are the terms and conditions? What are the dollar limitations of coverage? Know the details before you sign.