4 Best Home Warranty Companies
in Middleton, WI

by House Method Local Advisors - Updated December 8, 2022

When one of your systems or appliances stops working, a home warranty will help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.

Many people in Middleton have fulfilled their dream of homeownership. However, as great as Middleton can be, there are always added responsibilities that come with owning a home, such as keeping your home's systems and appliances maintained.

Although a home warranty can help with your homeowner expenses, one pain point is narrowing down the perfect choice for your Middleton home. That's why we've done the research and have compiled a list of the top home warranty companies in Middleton.

Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.8
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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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Choosing a home warranty company in Middleton


After reviewing the basics of home warranties in Middleton, the next step is to determine which company you'd like to receive a free quote from. Before making your final decision, here are a few additional factors to consider:

Quick reference for home warranty companies in Middleton

$45.00 - $53.33/month
15 years in business
$29.27 - $74.27/month
26 years in business
$50.40 - $62.90/month
15 years in business
$34.99 - $67.99/month
44 years in business

Home Warranty Company and Plan Details


There are plenty of companies and policies available to property owners in Middleton. House Method's team has done the research to find the best home warranty for your needs. We decided based on several factors including monthly costs, policy plans, providers and their coverages, customer reviews, workmanship guarantee, add-on options, time in business, coverage limits, and more for accuracy. Here are how the top home warranty providers ranked in Middleton:
  1. Choice Home Warranty - Best Overall
  2. American Home Shield - Best Customizable Plans
  3. The Home Service Club - Quickest Service
  4. Cinch Home Services - Best Workmanship Guarantee

Choice Home Warranty

4.85

Best Overall

Choice Home Warranty logo
MONTHLY COST $45.00 - $53.33
YEARS IN BUSINESS 15

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 is the best overall home warranty for Middleton residents. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for you to choose from.

Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000.

For more information on this provider, read our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.

Home Warranty Plans from Choice Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $45.00 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer
Total Plan
Service fee: $85.00 Monthly cost: $53.33 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer

American Home Shield

4.75

Best Customizable Plans

American Home Shield logo
MONTHLY COST $29.27 - $74.27
YEARS IN BUSINESS 26

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 Middleton residents. The 3 home warranty plans that AHS offers include options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.

The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500.

To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our detailed review of American Home Shield.

Home Warranty Plans from American Home Shield

ShieldSilver
Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27 Items covered: Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldGold
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldPlatinum
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump

The Home Service Club

4.7

Quickest Service

The Home Service Club logo
MONTHLY COST $50.40 - $62.90
YEARS IN BUSINESS 15

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 Middleton, The Home Service Club is the best home warranty with the quickest service. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also 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.

There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Middleton area.

For more information, read our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.

Home Warranty Plans from The Home Service Club

Standard Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $50.40 Items covered: Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer
Comprehensive Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $62.90 Items covered: Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer

Cinch Home Services

4.35

Best Workmanship Guarantee

Cinch Home Services logo
MONTHLY COST $34.99 - $67.99
YEARS IN BUSINESS 44

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

Cinch Home Services offers the home warranty with the best workmanship guarantee for Middleton residents. 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 plan 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 options for appliance and system coverage.

Cinch Home Services offers 3 plans for Middleton homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.

For a more detailed breakdown, read our Cinch Home Services full review. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.

Home Warranty Plans from Cinch Home Services

Appliances Plan
Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99 Items covered: Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer Add-on items: Pool, Septic, Well pump
Built-in Systems Plan
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99 Items covered: Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump
Complete Home Plan
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump

Additional home warranty information


Cost to replace or repair common home appliances and repair damages in Middleton

AIR CONDITIONER
$6,345
HEATING
$4,230
ELECTRICAL
$634
TOILETS
$529
WASHER/DRYER
$846
PLUMBING
$634
OVEN/STOVE
$1,692
FRIDGE
$634

Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.

Looking to save big when things go wrong?

Get a free quote from our #1 recommended provider in Middleton

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What is a home warranty?

A home warranty is a protection plan for home systems and appliances. When your HVAC breaks down and the repair costs several hundred dollars, a home warranty will ensure that your only responsibility is a predetermined service fee. Home warranty coverage typically starts without an inspection and generally goes into place about thirty days after making your first payment.

When you have an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will reach out to you about a contractor coming over to look at the issue. At this point, you will pay your service fee. Service fees for home warranty customers range from $60 to $150. Most home warranties also have a coverage limit, which is the maximum cost per appliance that the home warranty will cover for repairs and replacements.

What does a home warranty cover?

A home warranty will cover systems and appliances that have broken down due to normal wear and tear. For example, if your A.C. suddenly stops working under normal use conditions, this is a perfect time to call your home warranty provider. Appliances covered under a home warranty plan are typically the dryer, dishwasher, microwave, refrigerator, garbage disposal, and more. Systems that are covered usually include water heaters, electrical systems, air conditioners, plumbing systems, and heating systems. Add-on coverage will vary from one plan to the next, but you can expect to see add-ons such as roof leaks, spas, electronics, central vacuums, sump pumps, and pools.

Middleton homeowners should understand 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 cosmetic issues, misuse of a system or appliance, natural disasters, or pre-existing conditions. 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 Middleton?


Benefits of a home warranty

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

Another good thing about having a home warranty when you're selling your home is that you can probably transfer your home warranty policy to the new owners. This can make your house more attractive to potential home buyers and may help your house sell faster.

Downsides of a home warranty

As for the downsides of home warranties, coverage varies by provider so it's important to understand what each plan covers and excludes in the contract. Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They often won't cover systems or appliances that have been damaged due to natural disasters, improper maintenance, animal infestations, etc.

Homeownership is a big responsibility that can be costly, but rewarding. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to consider before taking the leap and getting a policy.

Final Thoughts

Hopefully, this review of Middleton's top home warranty providers has helped you narrow down your choices and ultimately decide on a plan. When it comes to home warranty providers in Middleton, the best overall is Choice Home Warranty. It offers great coverage of all the essential home appliances and systems at an affordable cost with several optional add-ons.

Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.8
GET QUOTE
Fast Online Quote
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
GET QUOTE
Fast Online Quote
Quickest Service
  • Policy starts in ten days
  • 24/7 customer service support
  • Generous coverage caps on important systems and appliances
4.7
GET QUOTE
Fast Online Quote

Home Warranty FAQs


What's the best home warranty company?

The best overall home warranty company in Middleton is Choice Home Warranty but the best company for you will vary based on factors such as what appliances and systems you need to have covered.

What's the difference between a home warranty and homeowners insurance?

A home warranty helps protect against the normal wear and tear of home systems and appliances. Homeowners insurance protects your home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or stove, unless the damage is a result of a natural disaster.

Who needs a home warranty?

A home warranty plan can help investors, homebuyers, homeowners, real estate agents, and home sellers. It can offer peace of mind and savings to anyone involved in homeownership.

Does a home warranty plan cover all repair and replacement costs?

Most home warranties are going to cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Home warranties will give you some money towards a replacement but the entire replacement may not be paid for.

Is a home warranty necessary?

Owning a home can be costly. When a system or appliance breaks down, it can leave homeowners unexpectedly having pay a large amount of money to fix it. With a home warranty in place, you won't have any large hits to your bank account just to keep your home up and running.

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