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Best Home Warranty Companies In rhode island 2024

Rhode Island’s unique climate and weather can put stress on your home. A home warranty can safeguard your budget against unexpected repairs. This guide explores the best home warranty companies in Rhode Island, considering factors crucial for Rhode Island homeowners. We’ll review each company’s strengths and weaknesses and provide general tips to help you find the perfect warranty plan for your needs.

Our Picks: 5 Best Home Warranty Companies For rhode island Residents

Here is the list of top home warranty companies in Rhode Island. They offer comprehensive coverage and exceptional service to safeguard your home and budget.

Best For Utility Lines Coverage
4.7 | fourhalf_star Excellent

Monthly Cost

$50 - $62

Service Fee

$65 - $125

Response Time

24 to 48 hours

Pros & Cons

Pros

  • Offer 13 months of coverage on annual plans
  • Has many add-on options in addition to standard plans
  • Provides 90 days parts recall and 30 days labor recall

Cons

  • Higher service fees than some competitors

Plans, Cost & Coverage

The Home Service Club provides homeowners with two home warranty options: the Standard Coverage Plan and the Comprehensive Coverage Plan. Additionally, they offer several add-ons for expanded coverage, like sprinkler system line protection, sewage ejector pump coverage, roof protection, and utility & home service line coverage.

Plans

Standard Coverage Plan 

Comprehensive Coverage Plan

Monthly 

$51.25

$62.50

Yearly 

$584.96

$719.96

Standard Plan 

  • Covers 18 major home appliances and systems, including HVAC, plumbing, and water heater
  • Pays for repairs or replacements of covered items due to sudden failure
  • It offers an affordable option to safeguard your home against unexpected repair costs

Comprehensive Plan

  • Includes everything in the Standard Plan, plus additional items like a washer, water heater, and pest control
  • Covers up to 33 systems and appliances for a comprehensive home warranty
  • Provides broader coverage for unexpected repairs, giving you greater peace of mind

Why We Picked It?

We opted for The Home Service Club as our home warranty provider for its efficient service in Rhode Island. They offer quick coverage initiation in just ten days, compared to the industry standard of 30 days.

With over 13 years of experience, they provide various coverage options and reasonable coverage caps. Additionally, their responsiveness to breakdowns ensures homeowners are promptly assisted when needed.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Affordable rates
  • Offers 30 add-on options
  • Provides a 60-day workmanship guarantee

Cons

  • Limited contractor selection

Plans, Cost & Coverage

Liberty Home Guard offers three plans, beginning at $49.99. These plans include Appliance Guard, Systems Guard, and Total Home Guard. Each plan offers coverage with a maximum limit of $2,000 for all included items. Below is a comprehensive breakdown of the pricing and options available from Liberty Home Guard.

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99/Month

$54.99/Month

$59.99/Month

Annual Plan

$499.99/Annum

$549.99/Annum

$599.99/Annum

Appliances Guard

  • Covers nine major kitchen and laundry appliances like refrigerators, ovens, dishwashers, washers, and dryers
  • Cost-effective plan focused on safeguarding appliances commonly prone to breakdowns.

Systems Guard

  • Focuses on protecting six home systems air conditioning, heating, plumbing, and electrical
  • Pays to repair or replace covered components in these systems if they fail unexpectedly
  • Protects your budget from the high cost of repairs to major home systems

Total Home Guard

  • Combines Appliance Guard and Systems Guard coverage for comprehensive warranty
  • Covers everything from refrigerators to electrical wiring
  • Provides the broadest coverage at the most cost-effective price per year

Why We Picked It?

We selected Liberty Home Guard for its ability to shield homeowners from unforeseen repair expenses by protecting their appliances and home systems from breakdowns and malfunctions. 

With flexible plans tailored to accommodate different needs and budgets, Liberty Home Guard provides options ranging from fundamental coverage for essential systems to comprehensive plans, ensuring added peace of mind for homeowners in Rhode Island.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Offers a customizable service call fee model
  • Provide coverage for unknown pre-existing conditions and items damaged by rust and corrosion
  • 24/7 online support

Cons

  • Limited contractor flexibility

Plans, Cost & Coverage

American Home Shield (AHS) provides three plan choices: ShieldSilver, ShieldGold, and ShieldPlatinum. These plans range from $79.99 to $139.99 monthly, with service fees of $100 or $125 per visit.

Plans

ShieldSilver

ShieldGold

ShieldPlatinum

Service Call of $125

$79.99

$99.99

$129.99

Service Call of $100

$89.99

$109.99

$139.99

ShieldSilver

  • Protects key parts of 14 major systems, keeping your home running smoothly
  • Covers core systems like HVAC, plumbing, and electrical for peace of mind

ShieldGold

  • Includes everything in ShieldSilver, plus coverage for 9 essential appliances
  • Safeguards your everyday appliances like refrigerators, ovens, washers, and dryers

ShieldPlatinum

  • It is the most comprehensive plan that covers everything in ShieldGold and additional features
  • Protects against unexpected roof leaks and helps with permits
  • Includes a free annual HVAC tune-up and covers code violations for added security

Why We Picked It?

American Home Shield offers customizable plans within the home warranty industry. Given the varying features of homes across Rhode Island, standard home warranty plans may not always meet specific needs. 

However, with the AHS plan, homeowners can adjust coverage accordingly. With over 50 years of experience in the home warranty sector, American Home Shield provides a wealth of knowledge and expertise.

Highly Rated By Customers
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$46 - $59

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Provides emergency and weekend assistance
  • Boasts a wider array of add-on options compared to certain competitors
  • Features extensive coverage limits overall

Cons

  • The website lacks clear pricing information

Plans, Cost & Coverage

Elite Home Warranty provides three comprehensive plans: Elite Appliances, Elite Systems, and Elite Complete.  The plan for Rhode Island residents starts at $44.49 for the appliance plan, the systems plan for $49.99 and the complete plans can cost up to $58.99. Additionally, the company offers the flexibility to tailor your coverage from 15 home items to suit your specific needs.

Plans

Monthly

Elite Appliances Plan

$44.49

Elite Systems  Plan

$49.99

Elite Complete Plan

$58.99

Elite Appliances Plan

  • Covers eight major home appliances: refrigerator, dishwasher, oven/range, washer & dryer, and garbage disposal
  • Ideal for individuals seeking extensive coverage for their appliances
  • Fixed service fee per claim

Elite Systems  Plan

  • Covers seven essential home systems: plumbing, electrical, heating & cooling (HVAC), water heater, and garage door opener
  • Includes coverage for ductwork and main electrical lines
  • Affordable monthly rate starting at $49.99

Elite Complete Plan

  • Combines all benefits of Appliances and Systems Plans
  • Offers comprehensive coverage for both appliances and major home systems
  • Flexible option for homeowners seeking complete peace of mind

Why We Picked It?

We picked Elite Home Warranty for its customizable coverage plan, which enables customers to select specific appliances and systems without incurring extra charges. While Elite’s plans cost $44 to $59 per month, accompanied by a $70 deductible, it’s worth noting that competitors may offer comparable coverage for less than $50. 

However, Elite distinguishes itself by providing detailed information on coverage limits, including generous dollar limits of up to $7,000 for appliances and up to $8,000 per contract term for systems.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46–$55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Impressive customer service
  • Comprehensive plans covering systems and appliances
  • 90-Day Repair Guarantee

Cons

  • Limited availability in some areas

Plans, Cost & Coverage

Choice Home Warranty offers affordable pricing compared to other companies in the industry. Their Basic Plan starts at $46, while the Total Plan costs $55. These prices may increase if optional add-ons are selected.

 

Basic Plan

Total Plan

Monthly

$46.832

$54.75

Yearly

$532.00

$627.00

Basic Plan

  • Protects 14 major systems & appliances like plumbing, heating, and dishwasher
  • Provides basic coverage for core home functions at an affordable price
  • Ideal for homeowners who prioritize warranty protection for essential systems

Total Plan

  • Protects all essential systems and appliances, including refrigerator, washer & dryer, and AC
  • Provides worry-free protection for a wide range of potential breakdowns
  • Offers the most complete coverage at Choice Home Warranty

Why We Picked It?

Choice offers two plans, Basic and Total, catering to different coverage requirements. Choice simplifies things with a clear pricing structure for both premiums (monthly or yearly fees) and deductibles (out-of-pocket costs per service call). 

The company has earned a reputation for having outstanding customer service and comprehensive combo plan options.

Are Home Warranty Plans Beneficial For Rhode Island Homeowners?

For Rhode Island homeowners, facing a broken appliance or malfunctioning home system can disrupt daily life and strain the budget. Fortunately, home warranty plans offer a valuable safety net. Let's explore the specific ways home warranty plans benefit Rhode Island homeowners.

  • Rhode Island's coastal location exposes homes to harsh weather conditions, including heavy rains, snowstorms, and coastal winds. A home warranty plan covers essential systems like heating, plumbing, and electrical, safeguarding against weather-related damages.
  • With its low-lying coastal areas and proximity to the ocean, Rhode Island's geography increases the risk of flooding and water damage. Home warranty plans can cover repairs or replacements of appliances and systems affected by water-related issues.
  • With Rhode Island experiencing frequent storms and hurricanes, homeowners can benefit from the peace of mind offered by a home warranty plan. It ensures prompt assistance and financial protection for repairs needed due to storm damage.
  • Rhode Island's humid climate can contribute to the wear and tear of home appliances and systems. A home warranty plan covers the cost of repairs or replacements due to humidity-related issues, such as mold growth or malfunctioning air conditioning units.
  • Saltwater exposure makes Homes near the coast particularly susceptible to corrosion and erosion. Home warranty plans cover coastal homeowners, offering repair or replacement services for corroded appliances or systems.
  • Rhode Island's cold winters necessitate reliable heating systems in homes. A home warranty plan ensures that heating systems are well-maintained and promptly repaired, keeping homes warm and comfortable during the chilly winter.
  • Severe weather events in Rhode Island can lead to power outages, potentially affecting home appliances and systems. A home warranty plan can cover repairs or replacements for appliances damaged during power surges or outages.
  • Home warranty providers offer customizable plans tailored to the specific needs of Rhode Island homeowners, taking into account the state's weather patterns and geographical conditions. This ensures comprehensive coverage for all essential home systems and appliances.

How Much Does A Rhode Island Home Warranty Cost?

Here's a breakdown of the average costs in Rhode Island:

Average Annual Cost

$720

Average Monthly Cost

$60

Average Service Fee (Deductible)

$75 - $125

The average cost of a home warranty in Rhode Island can vary depending on several factors, including:

  • Coastal Concerns: The salty air and frequent coastal storms in Rhode Island can be harsh on electrical systems and appliances.  Warranties with comprehensive electrical coverage cost more compared to plans for inland areas.
  • Heating System & Winter Woes: Reliable heating is crucial during Rhode Island's frigid winters.  Warranties with strong coverage for heating repairs, especially during peak winter months, tend to be pricier than plans in milder climates.
  • Age of Historic Homes:  Rhode Island is known for its archaic homes, which can have aging plumbing and electrical systems.  Warranties offering coverage for repairs to these older systems come at a premium compared to plans designed for newer homes.
  • Limited Service Area Impact: While Rhode Island is small, geographic limitations can still exist. If you live in a more remote area, be prepared for potentially higher service call fees due to technician travel distances, impacting the overall cost.
  • Demand for AC Coverage: Heat waves can strain AC units, while summers are generally mild.  Warranties offering coverage for air conditioning repairs, especially during peak summer months, may cost slightly more than plans without this feature.
  • Competition In The Ocean State: The number of home warranty companies operating in Rhode Island might be smaller compared to larger states. This could influence pricing due to less competition in the market.

Home Warranty Coverage In Rhode Island

While specific details may vary by provider, here’s a general breakdown of what Rhode Island home warranty plans typically cover and exclude to keep your home a true reflection of the Ocean State spirit, running smoothly

Common Coverages

  • Appliances Major kitchen and laundry appliances like refrigerators, ovens, dishwashers, and washing machines keep your clam chowder bubbling and laundry fresh.
  • Plumbing systems Addressing leaks, clogs, and malfunctions in pipes, faucets, toilets, and garbage disposals, ensuring your “bathroom on the beach” experience remains enjoyable.
  • Electrical systems Addressing issues with wiring, outlets, switches, and circuit breakers, keeping your home safe and the “festival of lights” illuminating brightly.
  • Heating and cooling systems Repairs for furnaces, boilers, air conditioners, and heat pumps, maintaining comfortable temperatures through Rhode Island’s unpredictable seasons.
  • Optional Some plans offer additional coverage for features like roof leaks, which are crucial for withstanding coastal storms, well pumps for those in rural areas, septic systems, and even pest infestations, ensuring a worry-free home environment

Common Exclusions

  • Pre-existing conditions Damage existing before the warranty is usually excluded.
  • Cosmetic issues The plan won’t cover purely cosmetic repairs that don’t affect functionality.
  • Specific exclusions Carefully review the contract to understand specific exclusions, such as damage caused by intentional acts, negligence, or lack of maintenance.

Here Are Some Additional Points To Consider

  • Service call fees Most home warranty plans have a service call fee, which you’ll need to pay each time you request a repair. Be sure to factor this cost into your decision-making when comparing plans.
  • Coverage limits Home warranty plans often have coverage limits for repairs or replacements. Understand these limits to avoid any surprises when facing a covered repair.
  • Network of service providers Some home warranty companies have a network of pre-approved service providers. While convenient, ensure the network includes qualified and reputable technicians in your area.

Who Regulates Home Warranty Companies In Rhode Island?

Unlike some states, Rhode Island has no specific regulatory body or licensing process for home warranty companies. This means no central authority oversees the industry, and companies are not required to obtain a specific license to operate in the state.

However, there are still some regulations in place that offer some level of consumer protection:

  • Rhode Island Office of the Attorney General (RI OAG) Home warranty contracts in Rhode Island fall under the state's Consumer Protection Unit (CPU).  The CPU enforces the state's Deceptive Trade Practices Act (DTPA), which prohibits deceptive and unfair business practices. 
  • Department of State While not directly regulating the industry, the Rhode Island Department of State offers resources and information to help consumers learn more about home warranties and make informed decisions.
  • Unfair Trade Practices and Consumer Protection Act This act prohibits deceptive and unfair business practices, which can apply to some aspects of home warranty companies' operations. Consumers who believe they have been misled or treated unfairly by a home warranty company may have recourse under this act.
  • General Regulatory Provisions Rhode Island has general laws governing disclosure requirements for service contracts, including home warranties. These laws require companies to clearly and accurately disclose the terms and conditions of their plans, including coverage details, exclusions, limitations, and cancellation procedures.

Final Word

Choosing the best home warranty company in Rhode Island requires careful research and consideration of your needs and budget. We recommend comparing plans, coverage details, and customer reviews from various providers.

 Additionally, be sure to understand the exclusions and limitations of each plan before making a decision. By following these tips, you can find a home warranty plan that offers valuable protection and peace of mind for your Rhode Island home.

Frequently Asked Questions (FAQs)

What Are The Most Frequently Reported Appliance Repairs In Rhode Island?

A.

In Rhode Island, residents commonly report refrigerator issues, often related to temperature control and cooling efficiency. Due to the state’s seasonal weather variations, HVAC system repairs are frequently reported, particularly addressing heating concerns during winter. Washing machine malfunctions are also prevalent due to the effects of hard water.

Do Home Warranty Companies Cover Plumbing Problems?

A.

Home warranty companies typically cover plumbing problems as part of their comprehensive coverage. This can include replacing plumbing systems and components like pipes, faucets, toilets, and water heaters. However, coverage specifics can vary among different home warranty providers and plans, so it’s essential to review the terms and conditions of a specific policy to understand the extent of plumbing coverage.

Are Home Warranties Worth It In Rhode Island?

A.

Yes, home warranties are worth it in Rhode Island. With the state’s distinct climate and potential for home system and appliance issues, a home warranty provides valuable coverage and financial protection.

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