4 Best Home Warranty Companies
in Madison, WI

Choosing a home warranty company in Madison

When you're ready to buy a home warranty, the first step is considering what items you need coverage for. From there, you can compare plans and contact different home warranty companies for a free quote. Policies can vary, so consider the following factors when deciding on a home warranty provider:

• Service fee--You should know how much it costs for a repair technician to visit your home. This fee varies by company, but it can be as low as $60.
• Pricing--Many home warranty companies have a variety of plan options that can be divided into monthly or annual payments. Some are as low as $25 a month, while other plans can cost $50-$75 a month.
• Plan options--Does the company offer a plan that covers the home systems and appliances you need?
• Customer service--Some providers send a repair person within 48 hours after filing a claim, while other companies can wait up to 72 hours. If you'd prefer to have fast service, consider choosing a company that sends a contractor to your home right away.

Quick reference for home warranty companies in Madison

Additional home warranty information

What is a home warranty?

A home warranty is a money savings plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make it easier to budget and manage your finances. Home warranty plans typically have a thirty-day waiting period from the time you purchase to the time you can start using it.

When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will pay the service fee, which is generally between $60 and $150 depending on what plan you opt for. Once the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. If the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs apart from the service fee.

What does a home warranty cover?

A home warranty plan provides coverage on your home's major appliances and systems and it can help bring down the cost of maintenance on your home. Typical appliances covered by a home warranty plan include a garbage disposal, dishwasher, refrigerator, microwave, washer, dryer, and more. The systems that are most commonly covered will be electrical systems, heating systems, hot water heaters, air conditioners, and plumbing systems. You can also choose to pay a bit extra for add-on coverage for items such as swimming pools, spas, septic systems, and roof warranty.

Madison homeowners should know that a home warranty policy will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, cosmetic issues, pre-existing conditions, or natural disasters. You have to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related issue will be covered by the policy.

Is a home warranty worth it in Madison?

Benefits of a home warranty

Since temperatures in Madison can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.

Another added benefit of having a home warranty policy is that it can raise your home's real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the company you purchased your home warranty through.

Downsides of a home warranty

There are also some drawbacks to buying a home warranty policy, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty. Another possible pain point of home warranties is that they don't cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.

Although home warranties do have some things to bear in mind, no matter the season, a home warranty can help reduce the inevitable expense of home appliances and system repairs, giving you some peace of mind.

Final Thoughts

A home warranty in Madison can save you thousands of dollars and give you peace of mind when it comes to pricey home repairs and replacements. The best provider in Madison is Choice Home Warranty. It offers great coverage at an affordable monthly or annual cost. However, other providers reviewed above also give great coverage choices for Madison residents.

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Best Overall

• Over 10 years of experience
• 24/7 customer service team
• Home inspections aren’t required

4.8

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Fast Online Quote

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Best Customizable Plans

• 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

4.7

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Quickest Service

• Policy starts in ten days
• 24/7 customer service support
• Generous coverage caps on important systems and appliances

4.7

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Fast Online Quote