A Madison home warranty policy can help protect you by lowering the costs of major repairs and replacements on your home's appliances and systems.
Madison gives homeowners some great living options and the opportunity to enjoy the snow in the winter. However, those freezing temperatures can do quite a bit of damage to your home's systems.
Choosing the best home warranties on the market can be a challenge because of the sheer number of options out there. If you are tired of trying to compare the different options, keep reading for our guide to the best home warranty companies in Madison.
Choosing the right home warranty in Madison for you and your family comes down to the type of coverage you want, the home warranty provider you go with, and where you live, among other factors. When deciding which home warranty provider is the best one for you, here are some important factors to take into account:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
Choice Home Warranty offers the best overall home warranty in Madison. The 2 plans from Choice are easy to understand and have a mix of both system and appliance coverage. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
Read more by visiting our comprehensive review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Madison residents. When you purchase a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 policies that Select offers include options for appliance and system coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
For a more detailed breakdown, read our Select Home Warranty Review. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield is the most customizable home warranty for Madison residents. AHS offers 3 plans for homeowners to choose from. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
For more information, read our review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
In Madison, The Home Service Club is the best home warranty with the quickest service. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you'll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.
Read our thorough review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Madison. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance coverage.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000 at the maximum.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our Liberty Home Guard full review to learn more.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage in Madison. First American is a home warranty company with 38 years of experience in the industry, and it has proved to be one of the best providers in the business. If you're looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process easy.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Madison area.
Read more by visiting our First American Home Warranty Review. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
In Madison, Cinch Home Services is the home warranty with the best workmanship guarantee. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the home warranty for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch has include differing levels of system and appliance coverage, as well as add-on options.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Madison
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can provide some peace of mind and prevent you from paying exorbitant out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty.
When you have a system or appliance that has an issue, you file a claim with your service provider. You can do so online or by telephone, and then a contractor will come and fix the problem. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will typically occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty in Madison typically covers the main systems and appliances in the house. The appliances usually covered under a home warranty plan are the microwave, dryer, oven, washing machine, dishwasher, refrigerator, and more. System coverage typically includes plumbing, air conditioning, electrical systems, water heaters, heating systems, and more. Add-on coverage options can vary by plan but often include things like a sprinkler system, central vacuum, second refrigerator, septic system, and plumbing stoppages.
A Madison home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a Madison home warranty.
Madison's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
Not only can a Madison home warranty save you money on repairs and replacements, it saves you time too. Instead of having to vet technicians on your own, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them.
There are also some negatives to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another drawback is that home warranties may exclude some repairs, like those that are needed because of natural disasters. For example, if your house floods, the systems and appliances that were affected most likely won't be covered by the home warranty.
It isn't always easy to budget for the unexpected expenses that can come with homeownership, but a home warranty can help with that. As with any sort of warranty or insurance policy, there will always be advantages and disadvantages of buying one but its main purpose is to offer you protection and peace of mind.
We hope you now feel confident that you can choose a home warranty provider in Madison after reading through our reviews. All of these top companies have impressive histories and backgrounds and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers great coverage of all the essential home systems and appliances at an affordable cost with several add-on options.
The top home warranty company in Madison is Choice Home Warranty. Choice Home Warranty has a large network of experienced service technicians and a tremendous reputation in the Madison area.
A home warranty is a type of contract that covers repairing and replacing your major home systems and appliances.
Usually coverage for a home warranty policy begins 30 days after the payment receipt. However, a few companies may allow you to file a claim before this, so check with customer service to find the exact waiting period for your case.
The systems and appliances in a home are covered under a home warranty plan in Madison. Everything from a fridge to a garage door can be covered under a home warranty.
A service fee is a cost that must be paid before a service technician or contractor comes to your home to fix your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty except for the policy's premium.