Are you considering home warranty coverage for your Wyoming home? If so, you have come to the right place.
In this review, you will find valuable answers to questions like:
- Is a home warranty worth it for Wyoming property owners?
- Do Wyoming home warranties increase the value of your home?
- What do home warranty plans in Wyoming cover?
- And more!
You will also find vital information about the plans available to protect your home, how to save the most money with your home warranty, and what each protection package includes. Continue reading!
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.
At ReviewHomeWarranties.com, we have put together a detailed analysis of the leading home warranty policies in Wyoming to help you select the company and plan that is right for you. Companies in Wyoming offer great coverage for systems and appliances in single-family homes, townhomes, condominiums, and mobile homes across the state.
To find the best home warranty in Wyoming, and discover WY-specific pricing, please view the rating and read our comprehensive reviews below.
Why Should Wyoming Residents Purchase A Home Warranty?
There are many reasons Wyoming homeowners should purchase a home warranty. Protection plans cover repairs your homeowners insurance won't, like repairs due to wear and tear.
Owning a policy helps to guarantee you can fix items that malfunction quickly and affordably, as well, and there are several other reasons you should obtain a home warranty plan for your property.
Top 3 Best Home Warranty Companies in Wyoming
You Need A Working Heating System And Appliances
A working heating system and appliances like your water heater are essential in the cold climate in Wyoming. Your home appliances and systems are necessary for you to live comfortably throughout the year.
A home warranty can help you keep the vital components in your home working properly. If you live in an older home, it is even more critical to have a home warranty plan.
However, no matter what age your home is, you can always benefit from having a policy that covers the devices you use most in your home.
Plan Ahead For Home Repairs
It is impossible to know when something will malfunction in your home. However, with a home warranty, you can budget for repairs and even major system replacements.
You pay for the policy monthly or annually. Most plans range from $275 to $650 a year. Then, when a covered item breaks, you contact your provider to put in a service request.
Your home warranty company will then schedule a service provider to come to your home for an assessment. If the claim is covered, you pay the service call fee, and the warranty company repairs or replaces the broken component.
Best Home Warranty In Wyoming?
Choice Home Warranty is the best the company on the home warranty market. Choice offers three extensive plans so homeowners can rest easy that their repairs are in the hands of trusted contractors.
Most service fees range from $60 to $150. So, as you can see, owning a home warranty is an excellent way to protect yourself from being caught off guard with costly repair bills.
Increase The Value Of Your Home
As a home seller or even a landlord, you can increase your real estate value by covering your property with a plan from one of the best home warranty providers in Wyoming. A seller home warranty plan gives you peace of mind while your home is on the market.
It is also a great way to give buyers the confidence to purchase your home if you have older appliances and systems. If the warranty is already in place, the buyer does not have to worry about a home warranty company denying a claim after the home inspection.
When you sell your home, most companies allow you to transfer your plan to the new owner for free or for a low fee. For example, Choice Home Warranty, offers free contract transfers, while other companies may charge a fee for this procedure. The majority of Wyoming home warranty companies will renew the contract automatically unless canceled within 15-30 days upon the contract expiration date.
Is Home Warranty Coverage Important In Wyoming?
Wyoming's weather is harsh. The winters are freezing, and much of the state is susceptible to high-wind storms and tornadoes.
While all homeowners can benefit by owning complete coverage for their home systems and appliances, some items are even more critical for Wyoming property owners to include in their home warranty.
Heating System And Water Heater
The winter temperatures in Wyoming are harsh. In December and January, average temperatures are 14-12°F and some winter days can even get below zero degrees. Protecting your heating system is essential because prolonged temperatures below freezing can cause health problems.
Having a working water heater is also crucial that your water heater is in good working order. Without hot water, it is nearly impossible to take a shower, and even washing your hands can be miserable when the water coming out of the faucet is frigid.
When temperatures are low, you need your electrical system to be in good working order. Light plugs, breakers, and wiring can fail at any time, especially when your home experiences frequent power outages.
In spring and early summer, there is high thunderstorm activity across the state, with southeastern plains having the most number of thunderstorms per season. These conditions may interfere with the normal functioning of the electrical system, which in turn may cause malfunction of the home appliances.
So, it is wise to include your electrical system in your home warranty plan. Otherwise, you might not have the electricity you need to power your water heater and furnace.
The median home age in Wyoming is 39 years. That means that most of the houses in your home state probably have older appliances.
So, you need to protect these items if you want to avoid paying expensive repair bills and replacement costs. Furthermore, despite the age of your appliances, they can malfunction at any time.
So, we suggest that all homeowners invest in major appliance coverage, regardless of the age of your home or appliances.
Home Warranty Costs: What Are The Real Figures? - Read Our Research
What is the cost of a home warranty? Does average cost vary by state? Is it better to get a one-year or a long-term plan? How plan options affect warranty costs? Find the answers to these and many other questions about home warranty costs in our research.
What Types Of Plans Are Available In Wyoming?
Dozens of home warranty companies offer coverage for Wyoming homeowners, and each has different plans you can choose. Knowing what plans generally cover can help you know what type of protection you want.
Home Appliance and System Coverage
Another way that providers offer homeowners protection is through appliance and systems plans. These options each include several key home components.
An appliance plan typically covers more devices than a basic plan but does not include any of your systems. A systems only package generally covers most of the major systems in your home.
However, the items each provider protects differ. So, it is essential to select a company that includes the appliances or home systems you want to protect.
These individual system or appliances plans are sometimes referred to as basic coverage. A basic plan allows you to cover some of the major appliances and systems in your home for a low monthly or yearly fee.
Most basic plans include:
- Plumbing stoppages
- Electrical systems
- Garbage disposals
- Garage door openers
- Plumbing systems
- Water heaters
Combo plans, or premium plans, offer complete protection. These packages generally include all of the items in a basic plan plus heating systems, air conditioning systems, ice makers, trash compactors, refrigerators, clothes washers and dryers, and more.
The bottom line is that companies who offer appliance and systems plans also allow you to select a combo plan that covers both for more comprehensive coverage. For example, American Home Shield offers a Combo Plan that covers up to 21 appliances and systems in one policy.
You should ask for a sample contract to verify the items covered in the package you select, though, because some less expensive premium plans do not cover HVACs.
Optional Add-Ons And Build Your Own Coverage
If the plan you select does not entirely cover your home, most providers give you the option of adding on even more protection through add-ons. These add-ons are usually pool and spa coverage, sump pump, septic and more.
Some providers even let you customize your coverage through Build Your Own Coverage. A Build Your Own Plans typically include a set number of systems and appliances you can cover and allow you to cover additional items for a fee. American Home Shield’s Build Your Own Coverage Plan allows the customers to choose 10 items to protect.
Check out this video below for more information on if coverage is right for you.
Are There Home Warranty Regulations in Wyoming?
All home warranty companies in Wyoming must register with the Wyoming Department of Insurance (DOI). So, before you sign a home warranty company service contract, you should verify that the provider's registration with the DOI is in good standing.
Because the DOI regulates home warranties, if you decide to cancel your coverage before your contract is complete, you are entitled to a prorated refund of the remainder, after you pay a cancellation and administrative fee.
What Are The Top 5 Best Home Warranty Companies in Wyoming?
Now that you know everything to look for in a home warranty and how owning a protection plan can benefit you, you need to know what companies offer the best coverage for Wyoming homeowners. So, we put together a list of the top 5 best home warranty companies in Wyoming.
Below you will find our top picks as well as the pros and cons of working with each company. After reading our list, you should have a better idea of the right home warranty company for your new home.
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
Total Home Protect Review
Why Do We Like Total Home Protect?
Total 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 Total Home Protect 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, Total Home Protect 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)
Our Final Thoughts On Coverage in Wyoming
There is a great selection of home warranty companies in Wyoming. How do you select the one that will work best for you? Well, after reaching the end of this review, you are well on your way to home protection.
For each home warranty company, we have collected information on their trustworthiness, accessibility, reputation, promotions, plans, very detailed coverage, pricing, and customer reviews. Also, we have read all the fine print and highlighted major points that are usually omitted by the customers.
We hope that as a WY resident, these home warranty reviews will help you choose the right plan that will cover all the essential home systems and appliances in your house.