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.
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.
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.
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
Amazon Home Warranty Review
Why Do We Like Amazon Home Warranty?
The Amazon Home Warranty is one of the best options for homeowners. The Amazon Home Warranty has only been around for a little more than ten years. However, in that time, they have been able to put together some great coverage options across 46 states. At Amazon Home Warranty, you will get more of that small company feel that many of us look for in great companies today.
When you look at all of the companies out there, you will find that some stand out from the crowd. From the website to the customer service, to the plan versatility, Amazon Home Warranty has everything a homeowner could want. They have created relationships with over 50,000 contractors around the country. With a base like this, you can get your issues fixed quickly and without spending more of your time and money.
The most refreshing thing about this company is how simplistic its plans are. When you want to find out what the Amazon Home Warranty will cover and what they won’t, you can easily do so on their website. You won’t have to worry so much about fine print and exclusions with Amazon Home Warranty. Since this is a more modern and streamlined younger business, it's very easy to stay on track with what they are offering and how they can help you.
In addition to the essential appliance and system plans, Amazon Home Warranty offers a combo plan option and add-on coverage for those homeowners with specific needs. When it comes to policy limits and exclusions, the Amazon Home Warranty will be very similar to other options on the market.
Policy On Pre-Existing Issues or Older Units?
Like other home warranty companies, Amazon will cover issues due to wear and tear on older models; however, they will not cover problems that have already occurred to your appliances or systems. There is a 30 day waiting period when you first sign up for new coverage that you will have to abide by before your plan truly starts. If your refrigerator is currently broken, you will need to fix it before Amazon Home Warranty covers it. For a newly purchased home, Amazon Home Warranty is going to want to see an inspection report before they are able to fix or cover an issue in your home.
- Younger, more modern company
- Wide coverage
- Add on options
- Over 50,000 certified contractors Nationwide
- Easy to work with a smaller team of customer service agents
- Lost their BBB accreditation and are in the process of getting it back
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
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.