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.
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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|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|Amazon Home Warranty||From $42 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:
#1 Choice Home Warranty
Choice Home Warranty leads our list as one of the best warranty companies for Vermonters because they offer comprehensive and affordable coverage options to suit any home.
For Vermont homeowners, Choice Home Warranty has two plan options: a Basic Plan and a Total Plan. Their Total Plan is a particularly good deal for homeowners that want to maximize their house's coverage because it protects nearly all of the appliances and systems in your home for a low annual premium and an affordable service fee.
Choice Home Warranty also offers high coverage limits, with up to $1,500 in protection for home, plus a great selection of add-ons coverage options, including sump pumps and well pumps. They also won't deny you coverage just because your home has older systems and appliances.
- Affordable premiums and low service call fees
- High coverage limits for essential home systems
- Won't deny coverage on an older home
- No option to customize coverage plans
#2 American Home Shield
American Home Shield (a.k.a AHS) is a fan-favorite among many Vermont homeowners. The company has been in the business since the beginning of home warranties, so they have plenty of experience in getting you the repair service you need.
They offer three standard plan options - an Appliances Plan, a Systems Plan, and a Combo Plan - as well as the option to build your own plan to customize your coverage.
Moreover, American Home Shield allows you to choose your own service call fee, giving you the power to pay a bit more upfront for bigger savings down the line.
- Great list of plan options to choose from
- Ability to customize your coverage
- Allows you to choose your own service fee
- Premium rates are slightly higher than average
- Few add-ons to choose from
#3 Select Home Warranty
Select Home Warranty is another popular choice for Vermont Homeowners because they have three solid plan options, a great list of add-ons for your home, and low service fees.
With Select Home Warranty, you can choose between a Bronze Care plan for appliances, a Gold Care plan for home systems, and a combo Platinum Care plan to customize your coverage.
The company also allows you to choose your own service provider so you can continue to get home service from a repair technician that you know and trust.
- Allows you to choose your own repair technician
- Low service call fees
- Good list of add-on items
- Annual premiums are a big higher than other options
#4 Total Home Protection
Total Home Protection is a solid all-around choice for Vermonters that want affordable annual premiums and low service fees.
The company offers a Gold and Platinum plan, both of which provide coverage for both systems and appliances. Both plan options offer great protection for most of your home's major components and you can even choose from a long list of add-ons for more coverage.
Plus, Total Home Protection offers free reservice on all their repairs, as well as emergency service should an essential appliance or system break at night or on the weekend.
- Affordable service fees and premiums
- Free reservice on repairs
- Emergency coverage available
- Lower coverage limits on some items
#5 Amazon Home Warranty
Amazon Home Warranty earned a spot on our list because they offer cost effective plans with high coverage limits on certain appliances and systems.
The company has three plans - an Appliance Plan, a System Plan, and a Combo Plan, as well as an extensive list of optional add-on coverage items.
Additionally, Amazon Home Warranty has one of the largest networks of repair technicians in the industry, which can help ensure that you get the repair service you need whenever you need it most.
- High coverage limits
- Large network of contractors for speedy repairs
- Long list of great add-ons for optional coverage
- No online chat option
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.