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Best Home Warranty Companies In vermont 2024

Vermont’s breathtaking landscapes experience dramatic weather shifts. From scorching summers to frigid winters, your home’s systems work overtime. Unexpected breakdowns can be stressful. This guide explores the best home warranty companies in Vermont, helping you find a plan to safeguard your essential appliances and keep your Vermont home running smoothly and comfortably throughout the seasons.

Our Picks: 5 Best Home Warranty Companies For vermont Residents

After braving the elements Vermont throws your way, your home deserves reliable protection. Here's a closer look at our top picks: the 5 top home warranty companies for Vermont residents.

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

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Provides services even on weekends or in emergencies
  • Customizable plans to fit specific needs and budgets
  • Extensive coverage limits

Cons

  • Charges $150 service fees on weekend visits

Plans, Cost & Coverage

The monthly Elite Home Warranty costs range from $44 to $58. The company charges $70 for a typical service call and $150 for repairs and servicing of high-end appliances.

Plans

Monthly cost

Elite Appliances

$44.49

Elite Systems

$49.99

Elite Complete

$58.99

Service Call Fee: $70

Elite Appliances

  • Safeguards eight essential appliances like refrigerators, ovens, and washers
  • Appliance-specific coverage caps are subjected to a term limit of $7,000
  • Suitable for homeowners looking for coverage primarily for their major appliances

Elite Systems

  • Protects seven core home systems like plumbing, electrical, and HVAC
  • Suited for homeowners who prioritize coverage for home systems over appliances

Elite Complete

  • Comprehensive coverage for both home systems and appliances
  • Safeguards fifteen major systems and appliances, including HVAC, plumbing, refrigerator, dishwasher, and more
  • Top-tier protection for worry-free homeownership in Vermont

Why We Picked It?

We selected Elite Home Warranty for its combination of affordability, comprehensive coverage, and flexibility. Offering three base plans alongside 27 add-on options, it caters to diverse homeowner needs. Its $70 service call fee stands out for accessibility, and the coverage limits—up to $8,000 for appliances and $7,000 for systems—are notably generous. 

 

The ability for homeowners to choose their technician and the inclusion of appliances regardless of their age further distinguish Elite in the home warranty market.

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

  • Offers workmanship guarantee of 60-days
  • Provides extensive add-on coverage
  • Offers coverage for pest treatment and roof leaks

Cons

  • Lower coverage limit

Plans, Cost & Coverage

Liberty Home Guard offers Vermont residents three tailored plans: Appliance Guard at $49.99, Systems Guard at $54.99, and Total Guard at $59.99, ensuring comprehensive coverage for a variety of needs. 

 

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

Appliance Guard

  • Covers 9 major appliances like refrigerators, washers, and ovens
  • Protects against breakdowns from normal wear and tear
  • Affordable monthly premiums start at $49.99

System Guard

  • Safeguards 6 essential systems like plumbing, electrical, and HVAC
  • Perfect for homeowners in search of coverage for their home’s systems
  • Peace of mind with 24/7 customer service

Total Home Guard

  • Combines Appliance Guard and System Guard coverage
  • Most comprehensive plan for worry-free homeownership
  • Offers the most value for your monthly investment

Why We Picked It?

Liberty Home Guard, a Brooklyn, New York-based company, is known for its customer satisfaction. Since its founding in 2017, the business has gained recognition for obtaining excellent customer ratings on places like Trustpilot and the Better Business Bureau. 

It has swiftly grown to provide plans in every state in the United States. Liberty handles covered appliance and home system repairs and replacements in collaboration with a network of certified contractors.

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

  • Adjustable service charges
  • No need for maintenance records
  • Extensive coverage for essential household appliances and systems

Cons

  • There is no plan specifically for appliances

Plans, Cost & Coverage

American Home Shield provides coverage for up to 23 key systems and appliances, free HVAC tune-ups, roof leak repairs, and more in Vermont. Plans vary from $49.99 to $99.99 per month. It charges a service fee of $100-$125 and the response time is 48 hours. 

Plans

Monthly cost

ShieldSilver

$39.99

ShieldGold

$59.99

ShieldPlatinum

$89.99

ShieldSilver 

  • Protects 14 essential systems like plumbing, heating, and electrical
  • A budget-friendly option with plans starting at $39.99 per month

ShieldGold 

  • Offers coverage for 23 systems and major appliances
  • Extends coverage to kitchen and laundry items
  • Well-suited for homeowners seeking comprehensive coverage under $60

ShieldPlatinum 

  • Includes all appliances and systems from previous plans, plus roof leak repair
  • Top-tier coverage for maximum protection and value

Why We Picked It?

We selected AHS for its extensive coverage and high coverage caps, with allowances of up to $4,000 for appliances and $5,000 for systems, surpassing industry standards. Notably, AHS’s willingness to cover items with physical damage or preexisting conditions sets it apart. 

However, its comparatively higher pricing and limited customization options, featuring only six add-ons, are factors to consider when evaluating its suitability for individual homeowner affordability.

Best For Affordable Coverage
3.8 | threehalf_star Excellent
$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

  • Affordable plans tailored to different budgets
  • Free coverage for roof leaks
  • Discounts for multi-year policies

Cons

  • Lower dollar limits for appliances

Plans, Cost & Coverage

Select Home Warranty presents three home warranty plans: Bronze, Gold, and Platinum Care priced less than $48. Bronze attends to appliance coverage, Gold focuses on systems, and Platinum encompasses both categories. However, each plan has a free roof leak coverage. 

Plans

Monthly Cost

Bronze care

$44.42

Gold Care

$44.42

Platinum Care

$47.75

Bronze Care

  • Covers eight key appliances like refrigerator, washer, and dryer
  • Includes free roof leak coverage – a valuable bonus
  • Affordable monthly rates start at $44.42

Gold Care

  • Safeguards seven essential home systems like plumbing, heating, and electrical
  • Competitive pricing with plans starting at $44.42 per month

Platinum Care

  • Comprehensive plan, covering all features of Bronze and Gold Care
  • Includes additional protection for garage door opener & ceiling fan
  • Offers the most value for your home with plans starting at $47.75

Why We Picked It?

We chose Select Home Warranty for its budget-friendly approach, ideal for customers aiming to keep monthly fees under $50 while valuing prompt claims processing and inclusive roof-leak coverage across all plans. 

Offering three plans with standard pricing and coverage, along with unlimited claims, it distinguishes itself with this complimentary feature—a rarity among competitors.

Best For Electronics Coverage
3.9 | threehalf_star Excellent

Monthly Cost

$45 - $84

Service Fee

$125

Response Time

Within 48 hours

Pros & Cons

Pros

  • Coverage extends to systems and appliances regardless of their age
  • Offers protection to electronic gadgets
  • Rated A by the BBB

Cons

  • Has clothes washer and dryer coverage as an add-on

Plans, Cost & Coverage

ARW Home offers three core home warranty plans: ApplianceMax at $40.99 covering 8 appliances, SystemsMax at $54.99 covering 7 systems, and TotalMax at $44.99 combining both plans plus extra features like a humidifier, garage door opener, and ceiling fans.

Plans 

Cost (Monthly) 

Cost (Yearly)

Appliance Max

$40.99

$549.99

Systems Max

$54.99

$719.99

Total Max

$74.99

$949.99

Appliance Max

  • Protects seven essential appliances like refrigerators, ovens, and washers
  • Affordable rates start at $40.99 for Vermont residents
  • Peace of mind knowing key appliances are covered

Systems Max

  • Safeguards seven core home systems like plumbing, electrical, and HVAC
  • Ideal for homeowners seeking a plan that exclusively covers home systems

Total Max

  • Combines appliance and system coverage for maximum protection
  • Includes coverage for all items from previous plans, along with three additional items
  • Top-tier plan for worry-free homeownership throughout Vermont’s seasons

Why We Picked It?

ARW is chosen for its varied coverage options, spanning basic appliance needs to comprehensive home protection, beginning at $40.99 per month. The availability of an annual premium discount enhances its affordability. ARW maintains coverage limits in line with industry standards, ensuring sufficient protection. 

Is Home Warranty Plans Beneficial For Vermont  Homeowners?

Here are the points on how home warranty plans can be beneficial for Vermont homeowners:

  • Vermont winters can be brutal on your heating system. A home warranty can ensure repairs or replacements for your furnace or boiler, keeping you warm and cozy even during the coldest months.
  • The infamous Vermont mud season can wreak havoc on your plumbing. A home warranty can cover repairs to burst pipes, leaky faucets, or clogged drains, saving you the stress and expense of unexpected breakdowns during this messy time.
  • Many Vermont homes boast historical character, but older plumbing and electrical systems can be prone to issues. A home warranty can help offset the cost of repairs for these essential systems, allowing you to preserve your home's unique charm without breaking the bank.
  • A home warranty can provide peace of mind if you own a sugar shack or a vacation rental property in Vermont. These plans can cover repairs for major appliances and systems, ensuring your property remains functional and inviting for guests or maple syrup production.
  • Power outages are more common in rural parts of Vermont.  Some home warranty companies offer optional coverage for repairs or replacements of backup generators, keeping your essential appliances running during power cuts.
  • Many home warranty companies utilize local, licensed Vermont contractors for repairs. This can ensure qualified professionals handle repairs quickly and efficiently, minimizing disruption to your home.
  • Unexpected appliance or system breakdowns can significantly impact your budget. A home warranty helps you spread the cost of repairs over time with a predictable monthly or annual premium.
  • Finding qualified repair technicians can be challenging if you live in a remote area of Vermont. A home warranty company can help locate and coordinate repairs, ensuring you don't have to deal with the hassle of finding a reliable service provider yourself.

How Much Does A Vermont  Home Warranty Cost?

Here's a breakdown of the average costs associated with a home warranty in Vermont:

Average Annual Cost

$600 - $900

Average Monthly Cost

$50 - $75

Average Service Fee (Deductible)

$75 - $125

It's important to remember that these are just averages, and the actual cost of your home warranty in Vermont will vary depending on several factors, including:

  • The specific company you choose: Different companies offer various plans and coverage levels, all at different price points.
  • The level of coverage you select: More comprehensive plans with a wider range of covered items will typically cost more than basic plans.
  • Add-on coverage: Some companies allow you to add coverage for specific appliances or systems, increasing the overall cost. For example, you might consider adding coverage if your home has a generator.
  • Your home's location and age: Location and age can sometimes influence pricing due to factors like repair costs and claim frequency. For instance, homes in remote areas might see slightly higher service fees due to travel time for technicians.

Home Warranty Coverage In Vermont 

Living in Utah, you likely experience various weather conditions throughout the year. This can put extra stress on your home’s appliances and systems. A home warranty can be a lifesaver, but what exactly does it cover in the context of your Utah home?

Common Coverages

  • HVAC Systems Keeping cool in scorching summers and warm in snowy winters is crucial. Most warranties cover repairs or replacements for your air conditioning and heating system, including furnaces and central air units.
  • Plumbing Systems From burst pipes due to freezing temperatures to leaky faucets, Utah’s diverse climate can wreak havoc on your plumbing. Warranties typically cover repairs for toilets, sinks, bathtubs, showers, and the main water line.
  • Major Appliances Appliances like refrigerators, dishwashers, ovens, and ranges are all susceptible to breakdowns. Warranties can offer peace of mind by covering repairs or replacements for these essential household items.

Common Exclusions

  • Cosmetic Issues A warranty does not cover purely aesthetic repairs, such as a chipped sink or a faded refrigerator door.
  • Pre-existing Conditions If an appliance or system was already malfunctioning before you purchased the warranty, it likely won’t be covered.

Here Are Some Additional Points To Consider

  • Well Systems and Septic Tanks If your Utah home utilizes a well or septic system, some companies offer specific coverage for these features, which are more common in some regions of the state.
  • Coverage for Roof Leaks Utah can experience occasional heavy rain and snowfall. While not all warranties cover roof leaks, some Utah-specific plans might offer this protection.

Who regulates Home Warranty Companies In Vermont?

In Vermont, home warranty companies, also known as service contract providers, are overseen by the state's Department of Financial Regulation (DFR). However, it's important to understand the extent of their regulation:

Regulation by the Vermont DFR

  • Registration: The DFR primarily focuses on ensuring companies are registered and meet basic qualifications to operate in the state.
  • Consumer Protections: The DFR enforces some consumer protection regulations, but these may not be as comprehensive as those for traditional insurance products.

Final Word

Peace of mind for your Vermont home is within reach! With this guide, you've unlocked valuable insights into the top home warranty providers in the Green Mountain State. Remember, prioritize your needs, compare plans meticulously, and leverage the DFR's resources. By making an informed decision, you can safeguard your home and budget from unexpected repair costs.

Frequently Asked Questions (FAQs)

What Are The Most Frequently Reported Appliance Repairs In Vermont?

A.

In Vermont, common appliance and home system repairs often involve heating, ventilation, air conditioning (HVAC) systems, plumbing, and roofing issues. The state’s cold climate contributes to frequent HVAC problems, including furnace malfunctions and thermostat issues. Plumbing repairs may address frozen pipes, leaks, or drainage issues. Additionally, roofing repairs may be necessary due to snow, ice, or severe weather conditions.

Are Home Warranties Worth It In Vermont?

A.

Yes, home warranties are worth it in Vermont. The state’s challenging climate, including cold winters and potential impacts on HVAC, plumbing, and roofing, makes home warranties a valuable financial protection and peace of mind.

How Many Years Does A Home Warranty Cover Structural Damage?

A.

A structural home warranty plan is typically intended for newly constructed homes. The duration of these plans can differ, but it’s common for a home warranty for newly built homes to remain active for ten years. During this period, if any structural element of the home experiences failure due to construction-related issues, homeowners can arrange for its repair or replacement at little to no personal cost.

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