Best Home Warranty Companies in Rhode Island (2021)

By Debbie Wolfe

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.

In our guide featuring the best home warranty companies in Rhode Island, we will give you information on:

  • How to choose the best home warranty 
  • Why do Rhode Island homeowners need a home warranty 
  • What the best companies in Rhode Island are for home warranties

A home warranty is a protection plan for your home systems and appliances. If you should experience an issue, you can count on your home warranty plan to step in and pay for the repair. Home warranty plans are different than homeowners insurance because they protect against normal wear and tear. The difficult part of this process is choosing one of the best home warranties in the industry. There are so many to choose from that it can get overwhelming. If you are frustrated with this process and ready to get some help narrowing down these companies, keep on reading! 

Rhode Island Top 5 Home Warranty Companies

Rhode Island homeowners have more than 50 home warranty companies to choose from. We took each of these plans and compared the plan options, coverage, history in the business, BBB ratings, reviews, coverage caps, and more. Here is how the top five plans in Rhode Island ranked. 

  1. Choice Home Warranty: Best Overall 
  2. American Home Shield: Best Customizable Plans 
  3. Select Home Warranty: Most Cost-Effective Plans 
  4. Liberty Home Guard: Most Trustworthy 
  5. Service Plus Home Warranty: Best for Immediate Service 
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty SHW Most Cost-Effective Plans Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Liberty Home Guard LHG Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A
Service Plus Home Warranty ServicePlus Best For Immediate Service Gold Plan: $53.67/month

Platinum Plan: $60.33/month

$75 5 NR

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

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 the 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 vacuum. 

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

Choice Home Warranty has a very average service fee, priced right at $85. The service fees typically range from $60 to $150, so the $85 Choice fee is reasonable. 

The last thing you will want from a home warranty plan is complicated to understand. However, the Choice Home Warranty is so straightforward you will be glad you have it in place. Working with Choice from the time you ask for a quote to the time you have your first appliance repaired.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

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 American Home Shield 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.   

Some of the add on coverage that you can get with the American Home Shield warranty includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

The American Home Shield service fee is going to be between $75 and $125. The higher the monthly pricing, the lower the service fee. Having the ability to customize your coverage and your pricing is a major benefit of American Home Shield. 

One of the essential features of a home warranty plan is how trustworthy a business is. With 50 years in the industry and millions in claims paid out, you can trust American Home Shield. 

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.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

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 add ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

The Select Home Warranty has one of the most affordable service fees on the market. The cost is just $60 and will help to keep the overall pricing of this plan relatively low. 

Owning a home is expensive; there are costs that come up that make homeownership impossible for some people. However, Select Home Warranty is in place to try and make the process of owning a home much less stressful.

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.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

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. 

The add on coverage from Liberty Home Guard is quite impressive and includes things like:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser 
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

The service fee from Liberty Home Guard is one of the lowest on the market. The price is just $60, and it helps to make the overall higher plan pricing from LHG a bit more affordable. 

Although you should always pay attention to the history that a home warranty company has in the industry, don’t shy away from Liberty Home Guard and what they have to offer. With the customer reviews and broad coverage, this is a plan that will have a long history in the industry.

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.

5. ServicePlus Home Warranty

Best For Immediate Service

  • Offers 2 plans + optional add-ons
  • Provides a 24/7 claims hotline open 365 days a year
  • Has a 90-day parts guarantee
  • Allows customers to make unlimited service calls

ServicePlus Home Warranty is the best Rhode Island home warranty for immediate service. When your AC breaks down in the middle of a Rhode Island summer, you will want some quick repair service. Luckily the ServicePlus Home Warranty will sometimes be to your home and have your appliance repaired in less than 24 hours. For the last five years, ServicePlus has been building up a strong reputation of home service repair technicians to ensure that the service offered is fair and speedy. 

There are only two ServicePlus home warranty plans to choose from, yet they are both reasonably impressive when it comes to the coverage offered. Each of these plans has both system and appliance coverage. There are also great add-on coverage options, including a water softener and a septic system, something that Rhode Island homes can benefit from. 

The optional coverage choices from Service Plus Home Warranty include:

  • Pool / Spa
  • Additional Spa
  • Limited Roof Leak
  • Central Vacuum
  • Sump Pump
  • Well Pump
  • Septic System
  • Septic Pumping
  • Second Refrigerator
  • Stand Alone Freezer
  • Water Softener
  • Refrigerator Ice Maker
  • Free Standing Ice Maker
  • Add’l A/C System (each)
  • Add’l Heading System (each)
  • Water Heater (each)
  • Add’l Garage Door Opener (each)
Plan Price Per Month Price Per Year
Silver Combo $53 $636
Platinum Combo $60 $720

ServicePlus has a deductible of $75. When you look at the pricing of the ServicePlus plan and the service fee, you will likely be impressed with the overall costs. 

Even though ServicePlus may not have as many options for plans as other companies on the market, the speedy service is something you will be more than happy to have in place. With Rhode Island having four distinct seasons, there are certain home systems that you won’t want to go without. Fast service can help to keep you comfortable and in control of your home.

To get a free quote from Service Plus Home Warranty, you can fill out this online form or call 478-210-5091

Rhode Island Home Warranty Buying Guide

We hope that 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. 

  • Coverage Caps: Each covered item in your plan will have a limit or cap associated with it. This means that once repairs or replacements exceed this cap, you will be responsible for paying for anything in addition. Some of these caps are $500, and others are complicated; your Rhode Island home has high-end appliances and systems; choose the higher coverage caps. 
  • Company History: Reading reviews and information about home warranty companies is not difficult. There is no shortage of information available on the market for you to have access to. Take a look at how many claims have been paid out and the workmanship quality of the plans.  
  • Overall Pricing: The overall pricing of the home warranty plan will include the service fee and monthly pricing. Rhode Island home warranties will range in price from $38 to around $80 per month. You can typically find a plan that will fit within your budget. 

Top Home Maintenance Problems in Rhode Island

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. Let’s take a look at how having a home warranty in place will help keep your Rhode Island home in excellent condition. 

  • Plumbing Systems: Some of Rhode Island can have rough terrain and rolling hills. This can mean that the plumbing system in your home can run into some issues. Plumbing systems are expensive to fix, and they will take quite a bit of money to diagnose. With a home warranty in place, you will be responsible for just your service fee. 
  • Heating Systems: A heating system is essential during a Rhode Island winter. If the heating system is not working correctly, homeowners will struggle to stay warm all winter long. Luckily heating systems are covered under most home warranty policies, and this coverage can save you thousands. 
  • HVAC:  The HVAC coverage available for Rhode Island homeowners is quite strong, and it is an important one to have. The HVAC unit is something that is quite costly to repair and replace. HVAC is also something you won’t want to live without in the summer, therefore having this coverage is essential. 

Get a free quote

from our #1 recommended provider in Rhode Island

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Our Conclusion

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, the Choice Home Warranty is the best overall option. Rhode Island homeowners are lucky to have so many options for great 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.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.

See the best home warranty companies in your state

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Frequently Asked Questions About Rhode Island Home Warranties

How Much Does A Home Warranty Cost In Rhode Island?

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.

What Is A Service Fee?

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. 

What Is The Best Home Warranty Company In Rhode Island?

The best home warranty company in Rhode Island is the 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. 

Is A Home Warranty Worth It?

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. 

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