Top Best Home Warranty Companies In Rhode Island Review

Although Rhode Island is a small state, it has a lot to offer its residents. The proximity to the ocean, small towns and great schools, can make Rhode Island a homeowners paradise. However, as great as Rhode Island homeownership can be, there are times that issues with appliances and systems will come up. If you are looking for the best home warranty companies in Rhode Island, we have you covered. 

In this guide, we will cover . . . 

  • What is a home warranty?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 7 best home warranty companies in 2022
  • And much more!

With a home warranty in place, your budget and savings account can remain protected. A home warranty plan provides homeowners with the funds necessary to repair or replace many of the systems and appliances in their homes. It does not matter how old your home is; a home warranty plan can help. 

Rhode Island homeowners are lucky to have access to some of the best home warranty companies in America. Each of these home warranty plans will offer you some of the performance and support that you need to keep your home in great shape. Let’s take a look at the top 7 best home warranty companies in Rhode Island.

Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

Best Home Warranty Companies in Rhode Island

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.5
  • $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 98.0
  • 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 97.6
  • $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 The Home Service Club
Editorial Rating 97.2
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Limited coverage
  • 1 day to submit a claim
  • Limited plan selection
  • Fewer contractors available
  # 5 Liberty Home Guard
Editorial Rating 96.5
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.7
  • 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
  # 7 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement

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 Rhode Island Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

Rhode Island Home Warranty Costs 

A Rhode Island home warranty plan will change in price based on the covered items, the type of home, and even the way you structure the plan itself. However, the one indicator that customers say is the most important when choosing a Rhode Island home warranty is the pricing. If you are interested in getting fair pricing with your home warranty, these average prices could help. At Review Home Warranties, we realized how important it was for Rhode Island homeowners to have a general understanding of the costs associated with a home warranty plan. Here are the averages across several different home types.

Type

Average Annual Premium

Overall

$839.72

Single Family Home

$693.82

Multi-Family

$1,234.53

Townhome

$561.26

Condo

$686.66

Home Over 5,000 sq ft

$1,294.73

Home Under 5,000 sq ft

$787.48

Rhode Island Home Warranty Companies Reviews

At Review Home Warranties, we have reviewed more than 70 companies to help narrow down the top seven home warranties for Rhode Island homeowners. When comparing each of these home warranty companies, we looked at plan options, time in the industry, customer service, coverage caps, service fees, and more. Here is how the top seven home warranty companies in Rhode Island ranked. 

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of Rhode Island. The Choice Home Warranty is a high-quality plan with very high coverage caps and limits. With the Choice Home Warranty plans, you will get both appliance and system coverage for your home. The policies have been around for more than 13 years, and they are known for their impressive customer service and attention to detail. The service contract from the Choice Home Warranty is one of the simplest and most straightforward on the market. This is a home warranty plan you can trust. 

Pros

Cons

Comprehensive plan options

It won’t allow for custom plan build-out

Simple contract

 

Fair overall pricing

 

Reasonable service fees

 

Good sign-on incentive 

 

 Plans and Pricing 

The Choice Home Warranty plan has very fair pricing. The service fee is $85, which is slightly higher than some other plans, but the workmanship from the Choice Home Warranty plan is quite good. 

Plans

Cost Per Month

Services Fee

Basic Plan

$42

$85

Total Plan 

$50 

$85 

Coverage

Choice Home Warranty has very high coverage caps. The caps are closer to $2000 or more on almost all of the covered items in the plan. Having a high coverage cap will make the plan a good choice for those that have high-end appliances and systems. Some of the most popular coverages under the Choice Home Warranty plan include . . . 

  • Plumbing system 
  • Washing Machine
  • Water Heater
  • HVAC system
  • Oven   

What Customers Are Saying: 

The nights AND days were so cold. But the tech that CHW sent fixed the furnace, and my home is now so warm! The problem was quickly and efficiently identified and resolved within minutes. The tech respected my home like it was his own.” Source

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Rhode Island homeowners. With the American Home Shield plan, you can pick and choose your coverages so that they meet the needs of your home exactly. American Home Shield has been in business for more than 50 years, and their experience in the industry can really help benefit you as a homeowner. One of the great things about the American Home Shield plan is that the monthly plan fees and the service fees can also be customized to work for your budget. 

Pros

Cons

Been around for more than 50 years

A premium-priced policy 

Built out custom plans and add on options

 

Customizable pricing 

 

Add on coverage choices

 

Plans & Pricing

The American Home Shield plans are some of the most expensive on the market. With the American Home Shield home warranty, you will be paying a premium, but the coverage you get and the quality of the workmanship will be well worth the price. 

Plan

Monthly Cost

Service Fee

Silver Plan

$45

$75-$125

Gold Plan 

$55

$75-$125

Platinum Plan

$79

$75-$125

Coverage 

Similar to the Choice Home Warranty plan, American Home Shield has some very high coverage caps and limits. Some of the coverages that homeowners tend to include are . . . 

  • Heating system 
  • Refrigerator
  • Dishwasher 
  • Oven
  • Garbage DIsposal 

What Customers Are Saying

I am a former client and wanted to return. It was not my choice to leave AHS. I was very pleased with their services; however, there were some issues that took place out of my control when we purchased our new home, and there was a warranty that was paid for by someone other than us. After our year was up, I chose to return to AHS.Source

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of Rhode Island. The Select Home Warranty will help homeowners that are undecided as to whether or not the cost of a home warranty plan is worth it. Select Home Warranty has been on the market for nine years, and they provide free roof leak coverage with all of their policies. Select Home Warranty often makes an excellent option for those that are new to homeownership or on a budget. 

Pros

Cons

Impressive customer service

Lower policy limits

Clearly defined coverages and exclusions

Not great for high-end appliances and systems

High workmanship quality 

 

Straightforward policy choices 

 

Plans and Pricing

The Platinum Care Plan is the combo or comprehensive plan from Select Home Warranty, and it is just a few dollars more per month than Gold or Bronze Care. With the Platinum Care plan, you will get almost double the coverage, and it makes for a very smart home warranty plan for Rhode Island residents. 

Plan

Monthly Fee

Service Fees

Gold Care

$41 

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Coverage: 

Select Home Warranty has slightly lower than normal coverage caps. This is to help keep the cost of the plan down while still providing plenty of covered items to a homeowner. The Rhode Island Select Home Warranty plan still offers very good value to its customers.   Some of the coverages included with the Platinum Care plan include... 

  • Heating systems 
  • Cooktops
  • Ceiling fans
  • Refrigerators 
  • Electrical systems 

What Customers Are Saying

***************** at Select Home Warranty was amazing!! He explained the product thoroughly and was able to tailor the warranty to my specific needs. The price and coverage are amazing. I'm so happy I called this company and was able to talk to a representative like *****************!!! Here's to many years of my being a customer!!!” Source

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of Rhode Island. When choosing a home warranty plan, it is a smart idea to look at reviews and ratings. With just two years in the home warranty industry, Liberty Home Guard has some of the most impressive home warranty ratings on the market. In addition, the coverages that Liberty Home Guard offers will set them apart. If you have something like a central vacuum system or a sprinkler system that you want to be covered, Liberty Home Guard can help. 

Pro

Cons

BB Rating of an A

Option plan choices are a bit higher in price

Overall fair pricing

The price increases quite a bit for comprehensive plans 

60 Day workmanship guarantee

 

Add on coverage list is extensive 

 

Plans and Pricing

The Pricing of the Liberty Home Guard plans is very fair. The Total Home Guard is the most popular choice and will allow you more peace of mind about the majority of systems and appliances in your home. 

Plans

Monthly Fees

Service Fees

Appliance Guard

$40

$60

Systems Guard 

$45

$60

Total Home Guard

$49.99

$60

Coverage: 

The Liberty Home Guard plan offers a good range of coverages and fair coverage caps. Each of the Liberty Home Guard plans has a great range of coverage, but to really get a comprehensive policy, you will need to add coverages. Most Rhode Island homeowners appreciate these coverages included with the Total Home Guard plan. . . . 

  • Garbage disposal
  • Washer
  • Air Duct
  • Water Heater 
  • HVAC

What Customers Are Saying: 

“**** with Liberty Home Guard was professional and knowledgeable. He also went out of his way to answer detailed questions regarding several plans. I had him on the phone for a long time, but he remained patient and helpful through the process. I recommend him to anyone that is looking to purchase a home warranty. The plan he provided me covers more than other companies, and if you are going to be in your home for years to come, the longer term plans are a bargain when you average them out per month against other companies.” Source

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in Rhode Island. The ServicePlus Home Warranty will help on those cold Rhode Island days when your heating system breaks, and you need a quick response or repair. Some of the ServicePlus repairs can be fixed within a 24 hour period, even if this comes at an upgraded cost. The ServicePlus network of technicians is quite strong and knowledgeable. 

Pros

Cons

High-quality service technicians

Emergency service will have an upcharge

Simple contracts

 

Fastest service on the market 

 

An extensive network of technicians 

 

Plans and Pricing

There are only two ServicePlus home warranty plans available on the market, the Gold Plan and Platinum Plan. The Platinum Plan offers more comprehensive coverage and tends to be the more popular choice. 

Plans

Monthly Fee

Service

Gold Plan

$42

$75

Platinum Plan 

$46

$75

Coverage

Coverage from ServicePlus Home warranty is fair, but the coverage caps are not as high as they would be with other home warranty plans. For the fast service, this plan is worth the money you will pay. Some of the most popular coverages under the Rhode Island home warranty are . . .

  • Dishwasher
  • Garbage disposal
  • Electrical system
  • Plumbing System  
  • Refrigerator 

What Customers Are Saying:

I called in for a claim last Tuesday; my kitchen dispenser stopped working. They sent someone on Friday to have a look at it; the person checked it out, then called them in to explain what he needs to do, and left. Yesterday they called again, the claim was processed, and the guy came back with a replacement. In the end, I only paid a bit for my side of the cost, and that was it. Sweet and simple.”  Source

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Rhode Island residents looking for extensive coverage. The First Premier Home Warranty is one of the newer companies on the market, yet it has one of the highest BBB ratings out there. This is a modern company with quick response times and fair overall pricing. With First Premier Home Warranty, you will get a blanket-like coverage plan that has a large number of appliances and systems in the home covered. 

Pros

Cons

BBB Rating of A-

Short time on the market 

A newer company that is continually improving 

Not everyone wants to pay upfront for the year

Low costs if you pay upfront 

 

Modern technology and systems in place 

 

Plans & Pricing 

The First Premier Home Warranty offers homeowners a tremendous discount to pay for the policy upfront. If you can afford one or even two years of premium payments upfront, you will end up paying quite a bit less for your home warranty plan. 

Plan

Monthly Fee

Service Fee

Premier Plan

$43

$75

Platinum Plan 

$50

$75 

Coverage

The most important thing for First Premier customers to remember is that this plan will offer a little bit of coverage on many appliances and systems. If you have a major break of an expensive appliance or system, the coverage cap will probably prevent you from seeing full coverage. Some of the coverages included under the Platinum Plan include . . . 

  • Refrigerators
  • Oven
  • Water heater
  • Plumbing system
  • Stovetop 

What Customers Are Saying 

“Great response in a timely manner. Excellent professional technicians. I have never had a problem with the First Premier Home Warranty. My dishwasher was “dead,” with no power. FPHW has sent their technician the next day, and he determined the control board burned. He ordered the spare part, and 2 days later, my dishwasher was working smoothly. Great experience. Keep up the great work!” Source 

7. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship for a home warranty plan in the state of Rhode Island. Cinch Home Services has been on the market for more than 40 years, and they have developed a very strong reputation in the industry. The Cinch Home Services plan offers a 180-day workmanship guarantee ensuring that they will stand behind any repair they make. With so many years in the industry and overall fair coverage options, the Cinch Home Service plan is one of the most popular among Rhode Island homeowners. 

Pros

Cons

Long history in the home warranty business

Higher service fees 

180-day workmanship guarantee

Negative customer reviews

Moderately priced plans to choose from 

 

Plans and Pricing

The Cinch Home Services plans are fairly priced, but the service fees are quite a bit higher than other companies. The service fee pricing is typically higher due to the fact that the workmanship guarantee is so strong. 

Plans

Monthly Fees

Service Fee

Appliances plan

$44.99

$100-$150

Built-In System plan

$51.99

$100-$150

Complete Home Plan

$61.99

$100-$150

Coverage

The coverage for Cinch Home Services is quite good. Coverage caps are fair, and the overall list of coverages (without having to incorporate add ons) is impressive. Some of the most popular coverages under the Cinch Home Services policies include . . . 

  • Septic tank
  • Sump Pump 
  • Ice Maker
  • Refrigerators
  • Plumbing System  

What Customers Are Saying

As part of the services, air-conditioning maintenance is performed twice a year at no extra charge. I have been very pleased with that service. The air-conditioning company that came to do the check up was very qualified, knowledgeable, professional, thorough, and friendly. I have been very pleased with the Sears Home Warranty Program. Marilyn.” Source

What You Should Consider Before Buying A Home Warranty in Rhode Island 

Now that you have all the information you need about the plans available to Rhode Island residents, it's time to decide which of these plans is the best for your needs. Understanding the differences between the Rhode Island home warranties on the market will help ensure that you are getting the best plan for your home. Three of the things that are most helpful in comparing one home warranty plan to another are the plan choices, coverage caps, and the workmanship guarantee. 

Plan Choices

Each home warranty company has two or three home warranty plans to choose from. The plans are going to vary from a system-only plan to an appliance-only plan to a combination or comprehensive plan. The plan choices will impact the overall cost of the policy and make it somewhat more challenging to choose the best one for your needs. 

Coverage Caps 

Home warranty plans have coverage caps associated with them. A coverage cap will determine how much money a home warranty will pay towards issues with the covered item. Some coverage caps are around $200 per item, and others will be closer to $3000. If you have high-end systems or appliances in your home, you will need higher coverage caps in place. 

Workmanship Guarantee

Each time a repair is completed on your home, you expect that the repair is going to last. A workmanship guarantee ensures that you will have a certain number of days where your repair will be protected from having to pay another service fee. Some companies like Cinch Home Services offer a workmanship guarantee that will last for 180 days. 

Home Warranty Tips for Rhode Island Residents

Rhode Island has both small and large cities located throughout the state. If you live on the shore in Narragansett or in Bristol, you will still have issues that come up with your home appliance and systems. 

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. 

Whether you live in Providence, Newport, or Warwick, you can see that a home warranty plan will help you maintain your home. With the impressive shoreline and the climate-related issues, the home warranty is a smart option for Rhode Island residents. 

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. 

Final Thoughts

Hopefully, you now have a bit more knowledge and awareness necessary to make your home warranty purchasing decision. Getting involved with the right home warranty company can help ensure that you save money and time through the years. The Choice Home Warranty is the best overall home warranty for Rhode Island homeowners. With the Choice Home Warranty in place, you will have two very reasonably priced plans, excellent customer service, and extensive coverage of your home. Choice will allow you access to a home warranty policy regardless of the age and condition of your home; keep this in mind when you are shopping. In the end, it may make sense to get a few quotes for a home warranty as you may find a company is running a special or promotion that saves you quite a bit of money.

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

Recap of Our Top Picks In Rhode Island  

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $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 98.00
  • 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 97.60
  • $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 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • 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
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

Nearby States

All states
Home warranty New Hampshire 29 companies available
New Hampshire Home Warranty
Home warranty Massachusetts 31 companies available
Massachusetts Home Warranty
Home warranty Connecticut 33 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.

Q.

Is a Rhode Island home warranty worth it?

A.
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. 
Q.

What are the best home warranty companies in Rhode Island?

A.
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
Q.

What do home warranties cover?

A.
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. 
Q.

How much does a home warranty cost?

A.
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
Monthly
Annually
Top 5 Average
$59
$708

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.
Q.

How do I choose a good home warranty?

A.
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.