Best Home Warranty Companies in Wisconsin

As a homeowner, you’ve probably invested a significant amount of money into your Wisconsin home. You might have made upgrades to your home’s appliances, spent money on a comprehensive home insurance policy, and spent hours creating a maintenance schedule for your systems. But even the most careful and attentive homeowner can’t predict a breakdown or the large bill it will leave you to pay. 

A home warranty is a type of protection plan that helps you pay for the costs of repairs you need for your home’s appliances and systems. It covers breakdowns caused by normal wear and tear, filling in the coverage gap that homeowners insurance creates. If you’re thinking about buying a home warranty in Wisconsin, be sure to read our guide to the best providers before you invest.

Wisconsin’s top 3 home warranty companies

Top home maintenance problems in Wisconsin

Here are a few of the most expensive issues homeowners in Wisconsin face and how a home warranty can help you tackle them without breaking the bank.  

• Struggling heating system: Wisconsin winters are brutal with heavy snowstorms and extreme temperatures that can cause your heating system to wear out faster. A home warranty in Wisconsin can help you cover heating systems that prematurely break down without spending thousands of dollars.
• Roof damage: Heavy snow doesn’t only affect your heating system; it can also cause damage to your roof by putting more weight on it than it’s designed to hold. Though most home warranties don’t include roof coverage in their basic plans, you may be able to add this protection as an optional coverage.
• Water heater breakdowns: Wisconsin’s chilly winters can mean more stress on your hot water heater as well as your home heating system. Thankfully, most home warranty system plans include water heater coverage. 

1. Amazon Home Warranty

If you’re looking to customize your home warranty coverage with add-ons, consider choosing a plan from Amazon Home Warranty. Amazon Home Warranty offers a massive list of over 20 optional coverages, ranging from lawn sprinkler systems to roof leaks.

Amazon Home Warranty has three plan options:

• Appliances Plan: The Appliances Plan offers coverage for eight appliances, including your dishwasher and microwave oven.
• Systems Plan: The Systems Plan includes coverage for six major home systems, including your HVAC and electrical systems.
• Combo Plan: The Combo Plan covers everything included in both the Appliances and Systems Plans. It also includes a few additional coverages not found in either.

You can also choose from the following optional add-ons:

• Pool
• Spa
• Additional central air conditioning system
• Additional central heating
• Central vac
• Lawn sprinkler system
• Well pump
• Septic system
• Wine refrigerator
• Whole house humidifier
• Septic tank pumping
• Stand alone freezer
• Additional fridge
• Sump pump
• Water softener
• Limited roof leak
• Extra hot water heater
• Ice-maker
• Extra oven
• Additional washer and dryer
• Additional dishwasher
• Additional microwave
• Duplex

Take a look at how much Amazon Home Warranty costs per year:

Amazon Home Warranty also charges a service fee of $75 each time you use your plan.

Get a free quote from Amazon Home Warranty by filling out this online form or calling 866-605-8194. 

2. American Home Shield 

American Home Shield is one of the longest-standing names in the home warranty industry. With almost 50 years of experience, homeowners can be confident that they’re working with a reputable company.

American Home Shield offers three plan options:

• Systems Plan: The Systems Plan includes coverage for 12 home systems, including your water heater and air conditioner.
• Appliances Plan: The Appliances Plan includes coverage for 10 appliances, including your clothes washer and trash compactor.
• Combo Plan: The Combo Plan includes all coverages in both the Systems Plan and Appliances Plan.

Customize your policy with the following additional coverages:

• Pools and spas
• Extended electronics
• Well pumps
• Sump pumps
• Guest units

Take a look at how much an American Home Shield policy costs:

You’ll also pay a service fee between $75 and $125 every time you use your plan. Though you’re free to choose your own service fee, keep in mind that picking a lower fee will raise your monthly premium.

Get a free quote from American Home Shield by filling out this online form or calling 888-365-2839. 

3. America’s First Choice Home Club

As a homeowner, you might be worried about the quality of the technicians working on your property. America’s First Choice (AFC) Home Club is one of the only home warranty providers we’ve seen that allows you to choose your own technician when you need a repair.

AFC Home Club offers the following plans:

• Systems Plan: The Systems Plan covers six major home systems, including plumbing and HVAC.
• Silver Plan: The Silver Plan covers nine common home appliances, including your dishwasher and oven.
• Gold Plan: The Gold Plan combines all the coverage found in both the Systems Plan and Silver Plan into one more affordable option.
• Platinum Plan: The Platinum Plan covers everything included in the Gold Plan plus a few extras.

Customize your plan with the following optional coverages:

• Sump pump
• Septic system
• Hot water dispenser
• Pool and spa
• Standalone freezer
• Central vacuum
• Well pump
• Tankless water heater

Keep reading to view pricing information for each of AFC Home Club’s plans:

Like with American Home Shield, you can choose your own service fee between $75 and $125.

Get a free quote from AFC Home Club by filling out this online form or calling 877-755-1115.

Wisconsin home warranty buying guide

Read our buying guide below to learn about some of the factors you should think about when searching for a provider and policy.

• Coverage exclusions: Not every component of a covered system or appliance will be covered under your policy. Before purchasing a plan, make sure you read a sample contract so that you know exactly what is and isn’t covered for each item in the plan.
• Customer service: An appliance or system can break at any time, and if it’s an essential one, like a heating system in the middle of January, you’ll want to be able to get a fix as soon as possible. That’s why you want to look for a company that has 24/7 customer service or at least 24/7 claims reporting.
• State availability: Some major home warranty companies, like Choice Home Warranty and Select Home Warranty, exclude coverage for Wisconsin residents. Look for a company that offers service both in your state and in your zip code before you begin comparing policies.

Our conclusion

The right home warranty company for you will vary depending on a number of factors, like where you live and which appliances and systems you need to cover. That’s why we recommend getting quotes from all three of the companies we included in this review so that you can compare their offerings to your needs.

Frequently asked questions about Wisconsin home warranties

Are home warranties worth the price?

Though the monthly cost of a home warranty might seem high, most plans pale in comparison to the amount of money you’d spend replacing or repairing your home’s systems and appliances. This is especially true for homeowners of older homes whose systems and appliances are more prone to breakdowns.

Where can I find a sample contract?

Most home warranty companies, especially the national ones, have sample contracts on their websites. We recommend downloading this contract and reading through the terms and conditions before purchasing a plan so that you understand what coverage looks like. If you’re having trouble understanding the contract, call the company’s customer service and have a representative walk you through it.

What do home warranties cover?

There are three main types of home warranty plans. You can find a plan that just covers appliances, a plan that just covers systems, and a plan that covers both. Most companies also have a list of optional coverages that you can tack onto your base plan for more coverage.