Updated Jan 10, 2023
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Homeowners in Rhode Island are never more than one hour from the beach, have access to great schools, and will never get tired of all the history that RI has to offer. If you are lucky enough to own a home in Rhode Island, you know how wonderful homeownership can be. However, there are always issues that come up with home systems and appliances, and they need to be tended to quickly and efficiently.
Rhode Island can get some really great spring and summer weather, but the winters are typically rough. This range of temperatures and conditions impacts the normal wear and tear of home systems and appliances. In our guide featuring the best home warranties in Rhode Island, we will give you information on how to choose a home warranty, why Rhode Island homeowners need a home warranty, and which company is best for your home.
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House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty is the best overall home warranty in the state of Rhode Island. Choice has been in the home warranty industry for more than 13 years, and they have a BBB rating of B-. With a Choice Home Warranty plan in place, you will have a straightforward plan to work with. Customers in Rhode Island feel very comfortable with the coverage they have and the ability of Choice to help protect their homes. Coverage limits and caps for Choice are some of the highest in the industry, with some being over $2500 per covered item.
Rhode Island homeowners often think that Choice Home Warranty will have numerous policies to choose from. However, there are only two Choice Home Warranty plans a Basic Plan and a Total Plan. The Total Plan tends to be the more popular choice because it has more variety in coverage and can offer greater peace of mind. There are also some great add-on choices for those that have septic systems or central vacuums. The service fee associated with the Rhode Island Choice Home Warranty is $85.
Here’s a detailed look at Choice Home Warranty’s coverage:
Choice Home Warranty has several add-on coverages that you can add to either of its plans.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Read the full Choice Home Warranty Review.
Select Home Warranty is the most cost-effective home warranty plan for Rhode Island residents. If you are on the fence about whether or not a home warranty is worth the money, Select Home Warranty will help you make a much easier decision. The Select Home Warranty plans have been on the market for close to ten years, and they are known for high-quality workmanship. Keeping your budget in place while protecting your home is a specialty of the Select Home Warranty.
There are three Select Home Warranty plans to choose from. Each of these plans is going to cover both systems and appliances. The Platinum Care plan is the most cost-effective coverage option as it combines both systems and appliances. Each of the Select Home Warranty policies comes with free roof leak coverage. The service fee from Select Home Warranty is just $65.
Here’s a detailed look at Select Home Warranty’s coverage:
Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without paying extra.
Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.
Read our Select Home Warranty review to learn more.
American Home Shield is the most customizable plan in the home warranty industry. Homes across Rhode Island will vary greatly in the features that they offer. Home warranty plans will often have stock options that may not suit the needs of your Rhode Island home. With the AHS plan, you can add and subtract coverages to fit the needs of your home. American Home Shield has more than 50 years of experience in the home warranty industry.
There are three American Home Shield plans, a systems plan, and two combo or comprehensive plans. The ShieldGold Combo Plan tends to be one of the most popular choices because of the combination of appliance and system coverage. In addition, American Home Shield has some great add-on coverage options, especially for pool and spa owners. American Home Shield has a customizable service fee between $75 and $125.
Here’s a detailed look at American Home Shield’s coverage:
American Home Shield also offers several add-on coverages for homeowners to consider.
To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.
To read more, visit our American Home Shield review.
The Home Service Club has the quickest coverage of any home warranty provider in Rhode Island. With The Home Service Club, you will have to wait just ten days before your home warranty coverage begins. Most other home warranty plans require a total of 30 days before coverage starts. The Home Service Club has been in the industry for 13 years, and they continue to impress Rhode Island homeowners with their coverage choices, police coverage caps, and responsiveness to breakdowns.
There are two plans that The Home Service Club offers for Rhode Island residents. These two plans are the Standard Coverage and the Comprehensive Coverage plans. The Comprehensive Coverage plan has 33 covered items, including both home appliances and major systems. When you are looking for many covered items The Home Service Club is the best option for homeowners to consider.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.
To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334.
To learn more information, visit our The Home Service Club review.
Liberty Home Guard is the most trustworthy home warranty in the state of Rhode Island. The interesting thing about Liberty Home Guard is that they have earned this distinction of most trustworthy after only two years in the market. The Liberty Home Guard policy has a BBB rating of an A and many positive customer service reviews. LHG is known for its extensive coverage options and for getting to your home quickly to fix, repair or replace an appliance.
The Liberty Home Guard company gives Rhode Island homeowners three plans to choose from when it comes to coverage options. Like the way Select Home Warranty is set up, Liberty Home Guard offers a systems plan, appliance plan, and Total Home Guard. The list of add-on coverages from Liberty Home Guard is the most extensive in the industry, something that all homeowners are going to want to take advantage of if they have a saltwater pool, ejector pump, or even a lawn sprinkler system. Liberty Home Guard has a $75 service fee.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry; these will include:
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
To learn more information, visit our Liberty Home Guard review.
The average cost of a home warranty plan in Rhode Island is around $830 a year. The size of your Rhode Island home, the number of coverages you choose, and the service call fee or deductible can all impact the cost of your Rhode Island home warranty. For those on a budget, a plan with a customizable service fee is the best overall option. Home warranty plans that cover systems and appliances are the best fit for Rhode Island homeowners.
|Home Over 5,000 sq ft||$1,294.73|
|Home Under 10,000 sq ft||$787.48|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost Effective||Best Customizable Plans||Quickest Service||Most Trustworthy|
|Annual Limit||Up to $3000 per covered item||Up to $2000 per covered item||Up to $6000 per covered item||Up to $2500 per covered item||Up to $2000 per covered item|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||Excludes WA||Excludes NY, NV, WA, WI||Excludes AK||Available in All States||Excludes WA & WI|
|Online Chat / Mobile App||No||No||Yes||Yes||Yes|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
Hopefully, you now feel ready to make a home warranty decision for your Rhode Island home. Although all five of these choices have some tremendous benefits, Choice Home Warranty is the best overall option. Rhode Island homeowners are lucky to have so many options for excellent home warranty coverage. Even though Choice has very straightforward plan choices, fair pricing, and experience in the industry, getting a few extra quotes from other companies makes sense. Getting a home warranty in place sooner rather than later can end up saving you quite a bit of money in the long run.
We hope you now feel ready to choose a home warranty policy for your home. Although these five options are great, you will ultimately need to narrow them down to just one. There are a few essential things that you should consider when breaking down which of these plans is the best for you. Three of these are the coverage caps, company history, and overall pricing.
Rhode Island experiences various weather conditions, and many areas of the state are considered coastal areas. For those that live in coastal areas, the salt can do quite a bit of damage to a home. Overall you will want to be aware of issues that could come up and how your home warranty can help. Three problems that Rhode Island homeowners will run into are plumbing systems, heating systems, and HVAC.
A home warranty is a protection plan for home systems and appliances that will help save homeowners money and time. Home warranty plans will make it easier to budget your expenses as a homeowner. In addition, you will be able to ensure that you can get a timely fix on your home systems and appliances. Home warranty plans require you to submit a claim and pay a service fee each time you need service. Outside of these fees, there should be very few out-of-pocket costs for a homeowner with a home warranty in place.
The home warranty is different than a homeowners insurance plan. Homeowners insurance is a mandatory policy for those with a mortgage, but a home warranty is optional. A homeowners insurance policy will cover things like fires, hurricanes, natural disasters, and more. A home warranty will cover appliances and systems and add-on coverages.
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A home warranty in Rhode Island should be very simple to use. When it comes time to file a claim, simply contact your provider and get the process started. One of the great things about a Rhode Island home warranty is that you will be able to get a repair much faster than you would if you had no home warranty in place. Here are the basics of how a Rhode Island home warranty works.
A home warranty covers home systems, appliances, and add-ons from normal wear. Normal wear is the only thing that the home warranty will cover, but this is typically why you will be requesting service.
The home systems that a home warranty will cover include things like electrical, plumbing, and HVAC. These systems typically have high out-of-pocket expenses associated with their repair and replacement. Home warranties can help to keep these expenses in check. The appliances typically covered under a home warranty plan will include a refrigerator, oven, dishwasher, and more.
Add-on coverage associated with a home warranty typically includes things like swimming pools and sprinkler systems, all important coverages for those with these special features as part of their Rhode Island home.
Home warranty plans will protect against normal wear, but they have quite a few exclusions. If you are not keeping up with basic maintenance and home repairs, and this causes more significant issues, your home warranty claim may get denied. The details of your service contract will lay out exactly what is covered and what is not covered by a home warranty.
Here are a few of the things that are not covered by a home warranty plan:
Homeowners in Rhode Island will sometimes complain about their home warranty plan. For the most part, homeowners are satisfied with what the home warranty can do to help them in their home. However, some issues come up with a home warranty that can make it rather frustrating. Here are a few of the biggest complaints about home warranty companies in Rhode Island.
Home warranty plans are worth it for Rhode Island homeowners. Living in Rhode Island can be great, but it will also mean warm summers and cold winters. This means that your home will have to have a large number of systems and appliances to be a comfortable and enjoyable place to live. The chances of one of these systems or appliances breaking down at any point is quite high.
If your HVAC system takes a turn for the worst, your out-of-pocket expenses could be well into the thousands. However, when a home warranty is in place, the costs will typically only be a service fee. Homeowners will only have to experience one or two repairs in the course of a year for the home warranty to pay for itself.
In addition to the cost savings, home warranty plans will save you time and help create peace of mind. If you are concerned about finding great home warranty contractors and continually worried about home systems or appliances breaking down then a home warranty will help you enjoy your Rhode Island home.
A Rhode Island home warranty will cost between $38 and $80 per month. The higher-priced home warranties have more coverage and lower service fees. When you try to add coverage for your pool, spa, sprinklers, roof, and more, the home warranty price will go up considerably. If you want to keep pricing down, choose a basic policy from a company like Select Home Warranty.
The service fee is the money you pay to have a repair or replacement done in your home. Most service fees cost between $60 and $150 for Rhode Island policies. Overall service fees are a major factor to consider when looking at the overall affordability of a home warranty plan.
The best home warranty company in Rhode Island is Choice Home Warranty. Rhode Island homeowners trust Choice Home Warranty. They offer effective and fast service and have been in the industry for more than 13 years.
It will only take one or two repairs for you to realize the value of your home warranty plan. If your HVAC and your dishwasher were to break in the same month, could you afford to have them repaired or replaced? The home warranty protects you when you need it the most and also allows for peace of mind.
At House Method, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
Additional Rhode Island Home Warranty Resources