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.
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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.
Top 7 Best Home Warranty Companies in Rhode Island
Homesellers/Real Estate Agents
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.
Top 5 Best Home Warranty Companies In Rhode Island
|Rhode Island 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|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|Amazon Home Warranty||From $42 to $52||$75 flat rate|
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.
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.
Best Home Warranty in Rhode Island?
Choice Home Warranty is our top pick for Rhode Island. Why? Your heating system is included in both the Basic Plan ($36.17 per month) and the Total Plan ($43.85 per month), an essential home system in RI.
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.
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.
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.
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.
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.
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.
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.
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.
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.
#1 Choice Home Warranty
When it comes to Rhode Island home warranties, our top choice is Choice Home Warranty. The plans are comprehensive and an excellent fit for homeowners in colder climates.
Your heating system is included in both the Basic Plan ($36.17 per month) and the Total Plan ($43.85 per month). If you want to cover additional items, you can add coverage.
Choice warranty service work reservice is free for 90 days, and the service fees are just $75 per call. One of the downsides is that Choice offers low replacement cost limits on some items.
- You can cover your heating system and water heater with either plan.
- The service fee for claims is $75.
- Reservice is free for 90 days.
- Some consumers report service call delays.
- Choice may not replace your older appliances.
- Replacement limits are low on some items.
#2 American Home Shield
American Home Shield (AHS) is one of the foremost leaders in the home warranty industry. Since 1971, homeowners, realtors, renters, and landlords have trusted AHS.
AHS has a proven record of success, a large pool of vetted service providers, and some of the most customizable plans you will find. Systems and appliance coverage starts at $49.99, build-your-own plans are $54.99 (includes 10 items), and combo plans start at $59.99 a month.
- The plans are incredibly customizable.
- You can pick your service fees.
- AHS covers older appliances and devices that have been repaired in the past.
- Plans are more costly.
- Some consumers report issues with appliance replacements.
- Home repairs are only guaranteed for parts malfunction and labor for 30 days.
#3 Select Home Warranty
Select Home Warranty is our third pick for Rhode Island residents. The plans are affordable, and the coverage is suitable for homeowners from Warwick to Newport.
There are three plans you can choose. The Bronze and Gold Plans ($35.83 each per month)cover home appliances and systems, respectively. The third plan, the Platinum Plan ($37.50 per month), is Select's combo plan.
- All of the plans are budget-friendly.
- Service call fees are $75 per claim.
- Limited roof leak protection is free with all plans.
- The network of service request technicians is not as established.
- Service calls may take longer in some areas.
- Claims must be submitted within three days.
#4 Total Home Protection
Total Home Protection is fourth on our list of the best home warranty companies in Rhode Island. Total opened in 2016, so it is a new home protection provider.
However, the plans are a good value, and Select is an excellent choice for homeowners with septic systems, sump pumps, and other unique plumbing systems. In addition to a variety of add-ons, Total offers two combo plans.
The Gold Plan is $45.33 per month and covers over 15 home appliances and systems, including garbage disposals, cooktops, garage door openers, dishwashers, electrical systems, plumbing stoppages, and more. And, if you want to add coverage for your HVAC system, refrigerator, clothes washer and dryer, and other items, the Platinum Plan is just $52 per month.
- The Gold Plan includes 15 home components.
- The septic system coverage is excellent.
- Fees are set at $75 per service request.
- Other companies offer less expensive plans.
- Total has only been a home protection provider for 4 years.
- Some consumers report service delays.
#5 Amazon Home Warranty
Amazon Home Warranty finishes out our list. However, it is a good option for first-time homebuyers or budget-conscious homeowners looking for the best value for add-on items. Optional add-ons are great for Rhode Island residents who are looking to maximize their coverage. For an additional price, items like pool and spa, second refrigerator and second heating system can be added for ~$5 to ~$15 per month.
The home warranty packages from Amazon start at just $42 per month, and there are three plans available, an appliance, systems, and a combo plan. The service fees are a flat-rate of $75 per claim.
- You can start your coverage for under $42 per month.
- Service call fees are set at $75 per claim.
- Consumers leave positive reviews for Amazon Home Warranty on the BBB.
- You may experience service call delays.
- No online chat support available on the website.
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.