Looking for the best home warranty in Vermont?
Perfect, you’re in the right spot. In this guide, you’ll learn:
- Who should have a home warranty protection plan in Vermont?
- What should Vermonters think about when buying a home warranty plan?
- What does a home warranty cost for a homeowner in Vermont?
- What types of Vermont home warranties are available?
- And much more!
We created this guide specifically for Vermont homeowners after reviewing 68+ home warranty companies, including the plans, limits and costs. View our top 7 companies for VT below and check out our pros and cons on the top 5 companies at the end of the article.
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.
The Green Mountain state is a wonderful place to live, but those cold, snowy winters, muddy springs, and all that summertime humidity can really wreak havoc on your home systems and appliances. Over time, those little malfunctions can wrack up some major repair bills, leaving you with a hefty sum to pay out of pocket.
Thankfully, a home warranty plan from a reputable company can help you save money on your annual home expenses while also making it easier for you to get excellent repair service.
That being said, there are so many great home warranty providers out there that it can be tricky to figure out which one is right for your needs. To help you get the best home warranty coverage for your home in Vermont, we've analyzed and reviewed 68 of the top plans on the market today.
Plus, we've even created this guide to the best home warranty companies in Vermont. Read on to learn more!
Who Needs A Home Warranty In Vermont?
Not sure if a home warranty is right for your needs? Well, it turns out that a whole lot of people can benefit from a quality warranty plan. Here are just a few:
Owning your own home is fun and exciting, but it also comes with a lot of responsibility. As a homeowner, you're on the hook for the cost of repairing your home systems and appliances, which can easily total in the thousands if you're repairing your electrical system, HVAC, or any other major system.
Comprehensive coverage from a warranty company can help cover the costs of repairs on your home's systems and major appliances. That way, you can keep more money in your pocket.
If you're in the market for a new home, searching for a home with a warranty plan or purchasing your own buyer's warranty is a must. That way, you're protected from major repair or replacement costs on your new home's systems and appliances should something malfunction after closing.
Top 7 Best Home Warranty Companies in Vermont
Home Sellers And Real Estate Agents
When you're selling your home, the last thing you want is any hiccups in the closing process. Vermont home sellers can take advantage of warranty plans that offer protection for potential buyers if your home appliances or systems break after closing.
Plus, realtors often recommend that buyers select homes with warranty plans because they offer protection from unexpected repair bills. This means that you can often get a better sale price on your home, just for having a warranty plan.
Renters And Landlords
If you own a rental property, having a warranty policy in place can save you a whole lot of money in repair bills each year and can help your tenants get faster repair service. Oh, and did we mention that the cost of your home warranty is often tax-deductible for your rental property business?
Top 5 Best Home Warranty Companies In Vermont
|Vermont 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|
|Liberty Home Guard||From $39.99 to $59.99||$75 flat rate|
|Service Plus||From $45.33 to $52||$75 flat rate|
What Should You Think About When Purchasing A Home Warranty In Vermont?
Choosing a home warranty protection plan is no easy feat. Here are some of the most important things to keep in mind as a Vermont homeowner when shopping for your warranty policy:
Vermont is a wonderful place to live, thanks to its warm summers, gorgeous fall foliage, and winter wonderland scenery. But, living somewhere with all four seasons means that you might have both air conditioning and heating systems in your home that you'll need coverage for with your warranty plan.
Vermont homeowners should also keep in mind that the state's regular freeze-thaw cycles mean that your home's plumbing system, septic system , and roof tend to take a beating. So, look for this coverage when purchasing a warranty plan.
Even though Vermont is a small state, it's important to consider how your home's location and geography affect the type of systems and appliances you have in your house.
For example, people who live up in the Northeast Kingdom tend to experience colder winters and more snowfall than folks down near the Massachusetts border or even in Burlington. More snow means more meltwater and potential for flooding during the spring and summer. Therefore, if you live up north, you might want to consider getting coverage for your sump pump when shopping for a home warranty.
What Will A Home Warranty Cost A Resident Of Vermont?
The average Vermont home warranty costs between $300-$600. However, your annual premium will depend on the size of your home and the amount of coverage that you want, which we'll talk about next.
Best Home Warranty in Vermont?
Choice Home Warranty is our top pick for Vermont. Why? Choice offers two comprehensive plans to protect your essential items, free transfer of contracts and will cover up to $1,500 in heating system repair.
What Types Of Plans Are Available For You In Vermont?
As a Vermonter, you have three standard plans available for your home. These coverage options include:
- Appliances Plan. With an appliances plan, you get coverage for some of your home's most important items, such as your dishwasher, garbage disposal, garage door opener, clothes washer, and cooktop.
- Systems Plan. A systems plan will protect you from costly home repairs on your house's essential systems, like your air conditioning, heating system, ductwork, plumbing, and plumbing stoppages.
- Combo Plan. Combo plans will cover both appliances and home systems for greater peace of mind and protection from unexpected repair costs.
Be sure to read our dedicated guide on appliance insurance to help in your home warranty search.
Is A Home Warranty Worth It In Vermont?
A home warranty in Vermont is worth it. Here's why:
Protection From Major Repair Bills
Replacing major home systems or appliances like your water heater isn't cheap. While $300-$600 in annual premiums might sound like a lot, it's certainly a lot cheaper than the cost of repairing or replacing something like a water heater, which could run you upwards of $1,000-$3,000.
At the end of the day, the premium on your warranty plan can easily pay for itself when it covers the cost of just one major home repair.
Efficient Home Repair Service
When your heating system breaks in the middle of a cold Vermont winter, finding a qualified repair specialist can be a stressful process. With a home warranty plan, however, you simply need to submit a claim to your warranty service provider and they'll send an experienced service contractor straight to your home to fix any issues.
Covers What Homeowners Insurance Won't
You almost certainly have home insurance, so you might be wondering why you also need a home warranty. The answer? Homeowners insurance is designed to protect you when your home is damaged by something like a flood or fire, not when something breaks from regular use.
So, your home insurance broker won't cover the cost of repair or replacement when your air conditioner breaks from normal wear and tear. A home warranty, though, is meant to help you pay for regular repair bills.
Check out this video further explaining the difference between homeowners insurance and a home warranty.
What Are The Home Warranty Regulations In Vermont?
In Vermont, all home warranty providers are required to register with the Vermont Department of Financial Regulation (DFR). The Vermont DFR regulates warranty companies and requires them to make certain disclosures to protect homeowners.
How To Choose Coverage In Vermont (Is It Unique)?
Getting the right Vermont home warranty requires 5 simple steps. This is what you need to do:
Step 1: Decide On A Warranty Policy
First things first, decide on your home warranty policy. Check out our Vermont home warranty reviews for our top picks for protecting your home and assess your different potential coverage options based on your unique needs. Then, get a free quote from one of these leading home warranty providers to see which plan is best for you.
Step 2: Get A Plan & Wait For The Grace Period
Once you find a plan you like and you sign your contract, you'll have to wait for a short grace period - usually about 30 days - to end before you can submit your first claim.
Step 3: Submit A Claim
As soon as your grace period is over, you can submit your first claim whenever a covered system or appliance malfunctions in your home. You simply need to contact your warranty provider's customer service center and then pay a small service call fee for your claim.
Most service fees are between $60-$125 and are designed to cover the cost of sending a contractor to your home. You'll pay a service call fee once per claim and you can think of it as similar to your copay at the doctor's office.
Step 4: Get Great Home Service
After your claim is submitted, you can sit back and relax as a service technician is sent to your home to diagnose, assess, and repair any malfunctioning systems or appliances in your home.
Top Home Warranties For Vermont (Reviewed)
We know how difficult it can be to find the right home warranty for your unique needs. To help you out, here are 5 of our favorite Vermont home warranties to consider:
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
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
Service Plus Review
Why Do We Like Service Plus?
Service Plus Home Warranty 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 Vermont State
A home warranty plan is a must-have for any Vermonter that wants to protect themselves from unexpected repair bills. There are plenty of great companies to choose from, so the trick is to determine precisely which plan is best for your needs.
Curious what home warranty companies have to offer in another New England state? Don't worry, we have a review prepared for you. Check out our essential guides to buying a home warranty in New Hampshire, Connecticut, Maine, Rhode Island and Massachusetts.