- Excellent customer service
- 30 day waiting period
- 2 plans available + optional add-ons
Rhode Island’s cold winters and proximity to the ocean can cause major wear and tear on systems both inside and outside your home. To protect these systems and other home appliances, consider investing in a home warranty plan.
Below we’ve outlined the best home warranty companies in Rhode Island, pricing and plan options, and important tips to help you when purchasing a home warranty.
It may be the smallest in area and the eighth smallest in population, but Rhode Island is the second most densely populated state (most people per square mile) behind New Jersey. If you’re considering a move to Rhode Island, here are some fun facts about the Ocean State:
Rhode Island is a popular tourist destination for beach goers. In 2017, over 24.8 million visitors vacationed in the tiny state. With its booming tourism industry, selling or buying a house in Rhode Island is always a good investment. A great way to make sure you get top dollar for your house and to protect it from unexpected expenses is to add a home warranty.
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Because of its proximity to the ocean, Rhode Island experiences a range of temperatures, both daily and annually, and considerable weather diversity over short periods. The constant flux in weather can impact your home systems and appliances and cause them to break down faster.
Although the state is far enough north that conditions are generally mild throughout the year, humidity levels are relatively high. It’s important to stay on top of routine house maintenance to prevent major replacement costs. Here are several seasonal home maintenance tasks homeowners need to tackle indoors and outdoors to keep their home and appliances in the best shape possible.
Monthly tasks
Biannual tasks
Seasonal tasks
Home warranties are like extended service contracts for appliances or home systems. They cover home systems and appliances no matter what type of home you have—townhome, condo, or even a mobile home. Home warranties are great for:
A home warranty covers repair and replacement services on a number of major home appliances and systems. Though home warranty coverage depends on the company and coverage level you choose, most plans typically cover the repair or replacement of:
Here are some items that typically aren’t covered and will require you to purchase additional coverage:
With the extreme weather variation in Rhode Island, it’s important to choose a warranty that will cover a variety of home systems. Choice Home Warranty offers two plans, a Basic Plan and a Total Plan, that include appliances as well as electrical and plumbing systems.
Another good option for Rhode Island residents is Select Home Warranty. They offer three plans with unique add-ons: Bronze Care covers appliances, Gold Care covers systems, and Platinum Care covers both appliances and systems. There is also an option to add protection for items that most home warranty companies don’t cover, such as roof leak protection and septic system coverage.
The average cost of a home warranty in Rhode Island is around $318 per year, which is slightly lower than the national average. Extended coverage averages an additional $100 to $500 per year—this will depend on the amount and types of items added. Deductibles average between $45 to $125 a year.
Most home warranty plans operate in a similar manner. In general, the typical process looks like this:
Home warranties are optional, but they’re a great asset to have to help keep your house in good working condition. They’re particularly valuable if you plan to sell or rent your home. Homes with warranties typically sell 10 percent faster than those without.
Even if you aren’t selling a home, warranties are helpful for those who lack an emergency fund for major repairs, as a home warranty protects against expensive, unforeseen repair bills and provides peace of mind to customers.
There are several factors to take into consideration before you purchase a home warranty in Rhode Island. An important factor is the age of the house. Older homes typically don’t come with a warranty unless the previous homeowners purchased one and are forwarding it to you as part of the sell.
Here are some other factors to consider:
Here are a few home warranty reviews from Rhode Island residents with a home warranty:
Molly Mitchell on Choice Home Warranty:
“Repair person came to fix my garbage disposal, but 24 hours later, it went out again. The repair person called again after I contacted Choice. He said it would have to be replaced. He contacted the company and it was approved. It was replaced the next day as he worked with my schedule.”
Fiona on Select Home Warranty:
“Had a plumbing issue. The online process of the claim was easy. They called me 30 minutes later to finish it up. I had an appointment set within 24 hours to fix the issue! Great service!”
Allen Benson on Total Home Protection:
“This is the first year I have purchased [a] home warranty. I’m really impressed that it is inclusive of my pool. It’s not difficult at all to get in contact with a representative or even file a claim. It can be done online. And once they schedule an appointment, you are always matched with a professional who is knowledgeable and eager to get ready to work. I’m definitely going to continue utilizing Total Home Protection.”
Although most home warranty companies don’t require a home inspection, it’s still a good idea to get one completed so you know the condition of your home systems and appliances.
Your home can be covered by a warranty anytime, whether you’ve lived in it for a few months or several years.
A home warranty can help you save substantially on expensive home repair services and protect you from paying for a repair or replacement out of pocket. However, a home warranty is not a replacement for home insurance. Homeowners insurance policies cover natural disasters, fires, property crimes, water damage, and theft, while home warranties provide coverage for systems and appliances that break down due to normal wear and tear.
A home warranty in Rhode Island is a worthwhile investment, especially for homeowners who live closer to the shoreline of the state. Selecting the best home warranty company will depend on several factors, but keep in mind the location of your home and its age (including the age of your systems and appliances). If you home is older, you should definitely invest in more comprehensive coverage for your home.
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